Buy-To-Let Mortgages

Q: Is rental income the main factor lenders assess?

Yes. Rental coverage is key, although personal income and credit history are also considered.

Q: Can I remortgage or release equity to purchase more property?

Yes. Many landlords remortgage when the time is right to reduce rates or release equity. With Mark One Financial Services, knowing the right time is not down to luck, but careful planning and market monitoring by our team to let you know when to make needed moves to attain your goals.

Buy-to-Let Mortgage Advice

A Buy-to-Let mortgage allows you to purchase or refinance property as an investment. However, while Buy-to-Let can be rewarding, it also comes with additional complexity. Therefore, expert advice is essential.

At Mark One Financial Services, we help landlords across Scotland secure Buy-to-Let mortgages that support both short-term cash flow and long-term investment goals. Whether you are purchasing your first rental property or expanding an existing portfolio, we provide clear, structured advice throughout.

How Buy-to-Let Mortgages Work

Unlike residential mortgages, Buy-to-Let lending is primarily assessed on rental income rather than personal income. As a result, lenders focus on expected rental yield, property type, and overall affordability. In addition, deposit requirements are typically higher, often starting from 20% to 25%.

However, criteria vary significantly between lenders. Because of this, choosing the right mortgage can make a substantial difference to profitability.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY

Tailored Buy-To-Let Advice for Landlords

We begin by understanding your investment strategy. Then, we assess available lenders and products that align with your goals. Importantly, we also explain tax considerations, interest coverage ratios, and future refinancing options.

Furthermore, if you already own rental property, regular reviews can help reduce costs or improve returns. Consequently, many landlords benefit from remortgaging or restructuring their borrowing over time.

Limited Company Buy-To-Let Advice

Limited company buy to let mortgages are becoming increasingly popular among landlords as the market continues to evolve. As highlighted in recent market research, more investors are choosing specialist lending routes designed specifically for company structures.

However, these mortgages often involve different criteria, lender expectations, and product availability compared to standard buy to let deals. Mark One Financial Services helps landlords navigate this growing area with clear guidance and access to specialist lenders.

Experience That Adds Value

Buy-to-Let mortgages are not regulated by the Financial Conduct Authority in most cases. Therefore, having an adviser with extensive market knowledge is crucial. With access to a wide range of lenders, we help you navigate the market efficiently and confidently.

Ultimately, our goal is to help you build and protect your property investment with advice that is transparent, practical, and forward-looking.

Common Questions Answered

How much deposit do I need for a Buy-to-Let mortgage?

Most lenders require at least 20%–25%, although this can vary. Luckily, you don't need to go at this alone. We are here to help you every step of the way.

Is rental income the main factor lenders assess?

Can I remortgage or release equity to purchase more property?