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Property investors rely on us for our in-depth understanding of the buy-to-let market and access to a wide range of tailored mortgage solutions. We work with a broad panel of lenders, including specialist providers, to offer mortgages starting from just a 15% deposit—helping you maximise your investment potential with minimal upfront capital. Whether you’re purchasing your first rental property or expanding an existing portfolio, we ensure you have access to competitive rates and flexible terms that suit your goals.
Our expertise goes beyond arranging finance. We offer strategic guidance backed by experience in the property investment sector, helping clients make informed, sustainable decisions. From navigating complex portfolio landlord requirements to structuring your investments effectively, we provide clear, practical advice every step of the way. With our support, you can invest with confidence and build long-term success in the property market.
Your free strategy session:
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Our advisers are always available for a chat, get in touch to get started with your mortgage and protection needs.
To get started securing your buy to let mortgage, you’ll need a few things throughout the application process; see below to help you prepare:
Ready to take the next step? Download one of our useful guides to explore how we can help your specific situation. Or use our repayment or affordability calculators to help budget.
Typically, lenders require your rental income to cover at least 125% of your mortgage payments. We’ll help calculate the exact requirements based on your circumstances and chosen lender’s criteria.
Buy-to-Let properties have specific tax implications, including income tax on rental income and potential capital gains tax when selling. While we don’t provide tax advice, we can recommend speaking with a qualified tax advisor to understand your obligations.
Yes! We specialise in helping limited company directors secure Buy-to-Let mortgages. We understand how to present both your personal and company finances to lenders effectively.
Most Buy-to-Let mortgages taken out for investment purposes are not regulated by the FCA. However, we maintain the same high standards of service across all our mortgage advice. Consumer Buy-to-Let mortgages (where you’re letting property not wholly for business purposes) have limited regulatory protection.
Our standard mortgage advice fee is £495, payable on application. For more complex cases, this may increase up to £1,250. We also receive commission from lenders. All fees will be clearly disclosed before proceeding.
"I have had a number of dealings with Michael regarding financial matters, in particular with regard to mortgages. On each occasion, he has been thoroughly professional, reliable and informative. His assistance has helped save our family a substantial amount of money. I would not hesitate to recommend his services to anyone."
Find out why we’re different and experience a new level of tailored mortgage and protection advice. Book a free consultation today.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
2nd City Finance Limited is an Appointed Representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.
2nd City Finance Limited is registered in England and Wales. Company Number 13055699. Registered Address Advantage House, Stowe Court, Stowe Street, Lichfield, WS13 6AQ
The guidance and/or information contained in this website is subject to UK regulatory regime and is therefore targeted as consumers based in the UK.
Expert Mortgage Solutions for Your Journey Home.
