Buy-to-let advice
for the full picture,
not just the rate.
Whether it's your first rental, an accidental landlord situation, or growing a portfolio — we work through the structure, the lender fit, and the long-term picture with you, not just the cheapest deal we can find.
Free, no-obligation initial review. Response within a day, weekends and bank holidays included.
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See our specialist guidanceWhat we cover
Across the full range of BTL situations
Different landlord situations need different lenders, structures, and approaches. We handle each on its own terms — none of these are edge cases for us.
Whatever your situation, we work through it on its own terms — and tell you honestly if a different broker would serve you better.
Personal name vs limited company is the question that defines a BTL purchase, and it's a tax question — not a mortgage question. We tell you that clearly and refer you to your accountant when needed. Then we find the right lender for whatever structure you've chosen.
What we cover
Across the full range of BTL situations
Different landlord situations need different lenders, structures, and approaches. We handle each on its own terms — none of these are edge cases for us.
Personal name vs limited company is the question that defines a BTL purchase, and it's a tax question — not a mortgage question. We tell you that clearly and refer you to your accountant when needed. Then we find the right lender for whatever structure you've chosen.
Whatever your situation, we work through it on its own terms — and tell you honestly if a different broker would serve you better.
Where landlords start
How a BTL conversation usually starts
BTL clients usually come to us in one of three situations. Here's how each conversation typically goes — what we look at, what decisions you'll need to make, and what we handle on your behalf.
Often this comes alongside, or just after, sorting your own mortgage. The conversation usually covers: where you are with the property you're buying (offer in, agreed, or still searching); whether you're buying personally or through a limited company (a question for your accountant first); your existing residential mortgage and how lenders will view your overall borrowing; the rental coverage ratio the lender will need (typically 125% to 145% of the mortgage payment, stress-tested at higher rates); and the realistic rental yield for your area. We work through it with you so the lender criteria stop being a black box.
If you already have BTL properties, the criteria you'll be assessed against may be different from the last time you borrowed. Portfolio stress tests, total exposure across lenders, and the way limited-company structures get treated have all moved. We look at the portfolio as a whole — which property's deal is up next, which lender currently has the appetite for your structure, and whether top-slicing or background income presentation could open up better options.
Inheritance, marriage, an old flat you couldn't sell — sometimes you didn't plan to be a landlord but now you are. Depending on your situation this may be regulated consumer BTL (which has a different lender pool and stricter affordability assessment) or standard BTL. We work out which it is, what your existing residential mortgage permits, and the right route forward — including whether selling, switching to a let-to-buy, or holding the property as a BTL is actually the right choice.
You're buying your first rental
Often this comes alongside, or just after, sorting your own mortgage. The conversation usually covers: where you are with the property you're buying (offer in, agreed, or still searching); whether you're buying personally or through a limited company (a question for your accountant first); your existing residential mortgage and how lenders will view your overall borrowing; the rental coverage ratio the lender will need (typically 125% to 145% of the mortgage payment, stress-tested at higher rates); and the realistic rental yield for your area. We work through it with you so the lender criteria stop being a black box.
You're adding to a portfolio or remortgaging a BTL
If you already have BTL properties, the criteria you'll be assessed against may be different from the last time you borrowed. Portfolio stress tests, total exposure across lenders, and the way limited-company structures get treated have all moved. We look at the portfolio as a whole — which property's deal is up next, which lender currently has the appetite for your structure, and whether top-slicing or background income presentation could open up better options.
You've become a landlord by accident
Inheritance, marriage, an old flat you couldn't sell — sometimes you didn't plan to be a landlord but now you are. Depending on your situation this may be regulated consumer BTL (which has a different lender pool and stricter affordability assessment) or standard BTL. We work out which it is, what your existing residential mortgage permits, and the right route forward — including whether selling, switching to a let-to-buy, or holding the property as a BTL is actually the right choice.
Whatever situation you're in, the conversation starts the same way — we listen first, then we work through what fits. No assumptions about what you should do.
Good questions
Common BTL questions
My adviser was understanding of our needs and extremely efficient. They found us the most suitable product in minimal time. I knew exactly what stage we were at and what was needed and when. I would definitely use Hanson again and recommend them to family and friends.
Ready to get started?
Whether it's your first rental, your fifteenth, or one you didn't plan for — the first conversation is free, and there's no obligation after that.