Buy to Let Buyer Mortgages for the Wirral & Beyond
Your Property Plans. Without the Puzzles.
Whether you are buying your first rental or adding to a portfolio, getting the right mortgage is key. Lender criteria can be complex, from rental income cover to portfolio limits, but we make it simple. At NG Mortgages we explain what matters, find the right deal, and handle the paperwork so you can focus on the investment itself. Mortgages, simplified.
Your Mortgage, Simplified.
Mortgages that make investment simple.
Being a landlord comes with enough decisions. The mortgage shouldn’t be one of the hard ones. Whether you are setting up your first buy to let or expanding your portfolio, we know the lenders, the criteria, and how to get your case packaged right.
Why Landlords choose NG Mortgages…
✅ Whole of market access — we compare buy to let deals from lenders across the market
✅ Clear advice — we explain rental stress tests, deposit rules and limited company options in plain English
✅ End to end support — ONE adviser guiding you from application through to completion
✅ Local expertise — based in Wirral, we help landlords across Birkenhead, Wallasey, Heswall and beyond
✅ Costs explained — we talk through fees, stamp duty, insurance and solicitor costs upfront so nothing catches you off guard
From Offer Accepted to Completion, Without the Chaos.
Buy to let mortgages come with extra rules, from minimum deposits to rental coverage tests. Some lenders focus on personal income, others on the property’s rent. Whatever your setup, we keep it simple. Our five step process makes sure you know exactly what is happening and why.
Step 1. We Listen First
We start with your plans. Are you buying your first investment property, remortgaging an existing one, or growing a portfolio? We get clear on your goals and the type of landlord you want to be before we start searching for deals.
Step 2. We Do the Digging
We compare buy to let mortgages across the whole market. That means looking at lenders who understand landlords, whether you are investing personally or through a limited company. You will see the strongest options set out clearly, with the numbers explained in plain English.
Step 3. We Handle the Hard Bit
Buy to let applications involve more moving parts, from rental income checks to additional forms if you already own other properties. We pull the paperwork together, manage the questions, and keep the process moving so you don’t have to chase.
Step 4. We Guide You to the Finish
From application to offer to completion, we keep you in the loop. You will always know what is happening and when. No jargon, no confusion, no surprises.
Step 5. We Don’t Stop There
Being a landlord is about more than just the mortgage. We also look at landlord insurance and protection so both you and your investment are secure if things don’t go to plan.
Ready to line up your next investment?
Buy to let mortgages in Wirral don’t need to be complicated. We cut the waffle, explain your options and find a deal that fits your plans.
Wirral Roots. Landlord Know-how.
We are based in Wirral and work with landlords across Birkenhead, Bebington, Wallasey, West Kirby, Heswall and Hoylake. Whether you are buying your first rental or building a full portfolio, we know which lenders support landlords and how to get your case packaged right.
Stop Scrolling. Start Moving.
Your buy to let mortgage, made simple.
You have seen the steps, looked at the options and planned your investment. Now it is time to make it real. Book a free appointment today and we will guide you through your buy to let mortgage from start to finish. Mortgages, simplified.
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority