Buy to Let Specialists

We can help you build your property portfolio

Five star mortgage advice

*Completing our form does not affect your credit rating

Complete our quick online form for a FREE quote or call us on 01256 327019

*Completing our form does not affect your credit rating

For a FREE MORTGAGE QUOTE please complete our quick online form or call 01256 327019.

Who We Work With

We have the privilege to access an exhaustive panel of lenders including high street and specialist lenders. Our strong business relationships equip us to cater for all types of client requirements. Whilst servicing Fist Time Buyers, Home Mover’s and Remortgage clients we also cater for Government schemes like shared ownership, and specialist mortgages like adverse credit and Limited Company Buy to let’s.

What is a Buy to Let Mortgage?

A buy-to-let mortgage is a mortgage designed for people who buy property as an investment, rent it out and profit from it. When you buy a property as an investment, most lenders will not allow you to fund your purchase with a normal residential mortgage. Instead, you will need a buy-to-let mortgage. 

Most buy to let mortgages are provided on an interest only basis, which means that, each month during the term of the mortgage you only pay the interest on the loan. None of the capital is paid so the advantage is that you can keep your monthly outgoings to minimum. However, it is imperative that you plan your ‘exit strategy’ to either pay off the loan or refinance at the end of the mortgage term.

The rules surrounding buy-to-let mortgages can be a bit of a minefield, our specialist buy to let advisors are ready to guide you through the process and ensure that you get the best deal for your individual needs and preferences.

4 Steps To Arrange Your Mortgage

Our Customer Reviews Speak For Themselves


Mahmut a
Mahmut a
2023-07-07
I had a commercial mortgage with HLSA. Zakia was very helpful and responsive from start all the way to the end. She answered all our inquiries in time and chased the lender for us. I will definitely work with her again.
Ismail ENIKYOVLIEV
Ismail ENIKYOVLIEV
2023-07-05
It was an absolute pleasure working with Zakia to purchase our first home. Zakia is extremely knowledgable and professional and always answered our (many, many) questions clearly and quickly. Highly recommended! best Adviser
Lyle Berends
Lyle Berends
2023-06-21
Zakia and her wealth of knowledge have facilitated rapid growth of my investment portfolios. Her advice and ability to secure the best rates and deals has allowed me to move fast when deals arise and enabled me to offer with confidence, knowing that Zakia would be there around the clock to get things over the line for me. An example is my last transaction from point of mortgage application to now completion has been less than 3 weeks! I can’t recommend any IFA higher. Thank you for all your help over the years and I look forward to all the future transactions we have planned already. Lyle Berends
Jessica Ferreira
Jessica Ferreira
2023-06-20
Zakia has been absolutely fantastic from start to finish. She did all she could to ensure I had the best product and that everything suited my needs in the best way possible. I am super grateful for her assistance in getting me my mortgage and would recommend her to anyone!
Michael Bradley
Michael Bradley
2023-05-24
very efficient and very client focussed, it was a nice experience in what can be a stressful process.
Asif Saleem
Asif Saleem
2023-05-19
Very professional service and there was clarity and continued support throughout the mortgage process. Definitely would recommend to family and friends as it was a 5 ⭐️ service & experience
Felix Olayinka
Felix Olayinka
2023-01-21
HSLA financial Services representative-Zakia was very helpful in my first time mortgage application....prompt reply to my correspondence, affordable charges, excellent service. I can't fault their service from start to collection of the key. Thanks Zakia.
Jock Hawkins
Jock Hawkins
2022-09-03
Zakia came very highly recommended to us and rightly so, at every step we were well informed and provided with top quality service. Zakia went above and beyond expectations, incredibly reassuring and some you can really trust. We have recommended and will continue to do so as the service received was excellent. If ever we buy another house, Zakia will be our first and only call for our next mortgage.
Mieke S
Mieke S
2022-06-24
Zakia Khalid has been amazing helping getting our property business of to a great start. Supporting us with no less than 6 mortgage applications and all completed in only 10 months. Always very professional and keeping us informed every step of the way. She has been an absolute pleasure to work with and would highly recommend her services.
Steve Curtis
Steve Curtis
2022-03-26
We thought we’d struggle to get a mortgage, but Zakia made it all possible, she did an amazing job getting us a mortgage at a brilliant rate, always keeping us informed. We will forever be grateful for her efforts in helping us get on the property ladder, we couldn’t recommend her enough. Absolutely brilliant!!!

*Completing our form does not affect your credit rating

Contact Us For A Mortgage In Principle

How Do Buy to Let Mortgages Work?

Mortgage providers generally deem buy to let mortgages as a higher risk than a residential mortgage because there is no guarantee that that the property will always be rented to cover the mortgage costs.

Very often, buy to let mortgages are on an interest-only basis therefore when the mortgage comes to an end, you will have the option to sell the property to cover the full cost and this is your opportunity to make your profit. If your property price has risen, selling the property for more than the total cost of the mortgage will give you extra money which is your profit!

Finding the most appropriate buy to let mortgage can certainly be daunting. As buy to let mortgage specialists, we will take all of your individual circumstances into account and advise you what mortgages you can apply for and explain how much lenders will potentially lend you. Having a huge panel of providers, we will also be able to find you the competitive rates helping you make the most of your investment.

How much can I borrow?

Mortgage providers generally ask for a larger deposit on a buy to let property which can quite often range between 20% and 40%. The larger the deposit you put down, the better rates you are likely to benefit from. Lenders use interest cover ratios (ICRs) to calculate how much profit a landlord is likely to make, ICR is the ratio to which a property’s rental income covers the mortgage payments, tested at a representative interest rate (most banks currently use 5.5%). Most lenders expect the projected rental income to be at least 125% of the landlord’s mortgage payments, and some impose higher levels of around 145%.

It is common for lenders to check similar properties in your area to establish the rental demand. If you receive a high salary, some lenders will take this into consideration and lower their ICR requirements. This is on the basis that you could cover any rental shortfalls from your own income.

If you are an existing portfolio landlord and let our four or more properties, lenders will assess how each one of your properties is performing and take this into account for affordability purposes. HLSA Financial Services are able to offer you an excellent range of buy to let mortgage deals with options for landlords with low deposit.