Buy to Let Mortgages Wirral
Your property plans. Without the puzzles.
Whether you’re 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. We explain what matters, find the right deal and handle the paperwork, so you can focus on the investment itself.
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.
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’re 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.
Mortgages, simplified.
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 knowledge
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.
Buy to let,
explained.
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. Here’s what matters.
Deposits
Most buy to let lenders want around 25% of the property value. Some go lower, usually with stricter terms.
Rental stress tests
Lenders check the expected rent covers the mortgage interest by a set margin, at a tested rate. Each lender works it out differently.
First-time landlords
Never owned a rental before? Plenty of lenders will still consider you. Some want you to own your own home first.
Portfolio landlords
With four or more mortgaged rental properties, lenders look at your whole portfolio. We’ll help you pull it together properly.
Remortgaging a rental
Deal ending, or want to raise money for your next purchase? We’ll compare staying put with switching lender.
Let to buy
Keep your current home as a rental and buy your next one. Two mortgages at once, so it needs careful planning.
Specialist property
HMOs, flats above shops and other non-standard properties often need specialist lenders. We know where to look.
Stamp Duty and costs
Buying an additional property usually means higher Stamp Duty rates, plus legal fees, surveys and landlord insurance.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £450. Your first chat is always free.
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority. We don’t give tax advice. Speak to an accountant about the tax side of property investment.
Personal name or limited company?
The key differences.
More landlords are buying through limited companies, but it isn’t right for everyone. It affects which lenders you can use, the rates, and how you’re taxed.
Personal name
The property and mortgage are in your own name.
- Widest choice of lenders and products
- Simpler to set up and run
- Rental profits are taxed as your income
- Mortgage interest tax relief is restricted
Limited company
A company (often a special purpose vehicle, or SPV) owns the property.
- Can suit some landlords with growing portfolios
- Many specialist lenders focus on company lending
- Rates and fees can be a little higher
- Company accounts and personal guarantees usually needed
We’ll find the right mortgage for either route. For the tax side, we’ll work alongside your accountant, because we don’t give tax advice ourselves.
From offer accepted to completion,
without the chaos.
Whatever your setup, we keep it simple. Our five-step process makes sure you know exactly what’s happening and why.
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.
We do the digging
We compare buy to let mortgages across the whole market, looking at lenders who understand landlords, whether you’re investing personally or through a limited company. The strongest options, with the numbers explained.
We handle the hard bit
Buy to let applications involve more moving parts, from rental income checks to extra forms if you already own other properties. We pull the paperwork together and keep it moving.
We guide you to the finish
From application to offer to completion, we keep you in the loop. You’ll always know what’s happening and when. No jargon, no surprises.
We don’t stop there
Being a landlord is about more than 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?
As with all insurance policies, conditions and exclusions will apply.
Landlords who’ve trusted Nick
for 10 years and counting.
“He is super reliable, always on the end of the phone when we needed advice. Nothing is ever too much trouble.”
“I have completed a number of mortgages/re-mortgages with Nick and would highly recommend. Kept in contact every step of the way and was really informative.”
“I have used Nick for the last 10 years. He makes the process stress free, which is what you need when applying for a mortgage.”
Can I get a buy to let mortgage as a first-time landlord?
Often, yes. Plenty of lenders consider first-time landlords, though some prefer you to already own your own home, and some want a minimum personal income. We’ll point you to the ones that fit.
How much rent do I need for a buy to let mortgage?
Lenders run a rental stress test: the expected rent has to cover the mortgage interest by a set margin, at a tested rate. Each lender calculates it differently, so the same property can support different loan sizes.
Should I buy in my own name or through a limited company?
It depends on your income, your tax position and your plans. Company buy to let can suit some landlords, but rates can be higher. We’ll explain the mortgage side, and we recommend speaking to an accountant about tax.
What is a portfolio landlord?
Lenders usually treat you as a portfolio landlord once you have four or more mortgaged buy to let properties. They’ll then want to see details of your whole portfolio, not just the new property.
Can I remortgage my buy to let to raise money for another property?
Often, yes, if there’s enough equity and the rent still passes the lender’s tests. It’s a common way to grow a portfolio. We’ll check what’s realistic.
What is let to buy?
Let to buy means renting out your current home and buying a new one to live in. You’ll usually need a buy to let mortgage on the old home and a residential mortgage on the new one.
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority. We don’t give tax advice. Speak to an accountant about the tax side of property investment.
Wirral roots. Landlord know-how.
We’re based in Greasby and work with landlords across the Wirral. Whether you’re buying your first rental or building a full portfolio, we know which lenders support landlords and how to get your case packaged right.
Nick, your adviser
Stop scrolling.
Start moving.
Your buy to let mortgage, made simple.
You’ve seen the steps, looked at the options and planned your investment. Now it’s time to make it real. Book a free chat today and we’ll guide you through your buy to let mortgage from start to finish.
Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.