Buy-to-let mortgages
Buy-to-let lending works differently from buying a home to live in: the rent matters as much as your income, and the tax is higher.
Last checked 13 September 2026. Editor: Kris · editorial standards
How much you can borrow
Buy-to-let lenders usually base the loan mainly on the expected rent, checking that it covers the mortgage payments with a margin at a higher assumed interest rate. Whether you buy personally or through a limited company changes how that test is applied, so it's worth discussing both with a broker (and the tax side with an accountant). The buy-to-let stress test calculator shows the rent a lender would need for your loan, and the largest loan your rent supports.
Letting in England? From 15 December 2026 every landlord must register themselves and each let property on the GOV.UK “Register your rental property” service, at £65 per property per year, with deadlines set region by region up to 14 November 2027. The landlord register deadline checker shows the date for your property’s region.
Stamp duty on additional properties
In England and Northern Ireland, buying an additional residential property for £40,000 or more adds 5 percentage points to every Stamp Duty Land Tax band, and buyers who aren't UK resident pay a further 2% (GOV.UK). Try the stamp duty calculator.

Regulation
Many buy-to-let mortgages taken out as a business aren't regulated by the FCA in the way a residential mortgage is, which affects the protections you have. Ask your broker whether the mortgage you're offered is regulated.
Brokers whose website mentions buy-to-let
1024 firms in our directory mention buy-to-let on their own website. That's what they say about themselves, not an assessment by us, so check that a firm handles your situation and look it up on the FCA Register before taking advice.
Bristol
- Aim Mortgages Ltd
- Alternative Business Funding Limited
- Andrews Mortgage Solutions Ltd
- Bristol Rose Mortgages Ltd
- Chartwell Funding Limited
- Ellis James Financial Ltd
- Fraser Heath Mortgage Services Limited
- Funder Finder Ltd
- H & C Financial Planning Ltd
- Kingdom Mortgages Ltd
- Lampiers Financial Planning Limited
- Mellow Financial Ltd
- Mercury Mortgages Ltd
- Mortgages Explained Limited
- Mortgages in Bristol Limited
- Nailsea Financial Services Ltd
- Sound Mortgage Solutions Ltd
- WR Ethical Limited
- Your Mortgage Partners Ltd
Glasgow
- Athena Mortgages Limited
- Caledonia Mortgages Limited
- Capital Managers Mortgages Limited
- Clark Boyle Financial Services Ltd
- Independent Mortgage Store Limited
- Ingrid Cairns & Associates Limited
- Isk Complete Mortgages Ltd
- Kyle Financial Limited
- Mortgage Advice Brokerage Ltd
- Mortgage Advice Solutions Limited
- Murphy Mortgages Ltd
- Nisbet Mortgage Solutions Ltd
- Red Home Mortgages Ltd
- Rivergate Finance Limited
- Rosewood Little Associates Ltd
- Wha Mortgage Services Ltd
- Whitebridge Financial Services Ltd
Peterborough
- Advanced Mortgages Ltd
- Agentis Financial and Mortgage Solutions Limited
- Equity Release Wise Ltd
- Everyday Mortgages Ltd
- Heartland Mortgage Services Ltd
- Impact Financial Services Limited
- JK Mortgages Limited
- Let's Talk Mortgages Limited
- Path Mortgages Ltd
- Perfect Fit Mortgages Ltd
- Regal Park Financial Limited
- Shawshank FS Limited
- Talk Mortgage Broker Ltd
- Thornhill Square Ltd
- Wheeler & Walker Mortgage Solutions Limited
- Zest Financial Limited
Manchester
- Akbani Financial Ltd
- Asl Mortgages and Protection Ltd
- Bell Financial Solutions Ltd
- Black & Gold Financial Services Limited
- Cooke Mortgage & Protection Services Ltd
- FR Mortgages Ltd
- Finsso Financial Ltd
- Froom Mortgages Limited
- Identity Financial Solutions Limited
- Kinetic Finance Ltd
- MS Lending Group Limited
- National Bridging Brokers Ltd
- Revive Mortgages Limited
- Trinity Mortgage Services Limited
- We Know Mortgages Limited
Clerkenwell
- Best Direct Finance Ltd
- Blake Capital 247 Ltd
- Brick2brick Mortgage Solutions Ltd
- Credence Financial Ltd
- Meta Mortgages Ltd
- Real Lending & Financial Services Ltd
- Red Abbey Mortgages Ltd
- Richard Jones Mortgages Ltd
- Rosewood Hall Limited
- SD Financial Limited
- Smile Finance Limited
- Surrey and City Mortgages Limited
- We Sure Limited
- Xbridge Limited
Leicester
- Abp Mortgage Solutions Ltd
- Harmony House Mortgages Ltd
- Holmfield Wealth Management(uk) Limited
- Intouch Mortgage Services Ltd
- Mme Financial Consultants Limited
- Mortgage Advice Experts Ltd
- SJR Mortgages Ltd
- Stoneygate Mortgages Ltd
- Tank Financial Ltd
- The Finance Lab Ltd
- Ubm Financial Services Ltd
- Vervene Financial Services Ltd
- Vistaara Financial Solutions Limited
Mayfair
- Bright Box Financial Services Ltd
- Buffett Finance Limited
- Hamilton Rowe Ltd
- Hirschle Hughes Financial Services Limited
- Imperium Mortgages Ltd
- Mortgage Cloud Limited
- Mova Mortgages Ltd
- Noble Financial Solutions Limited
- Quercus Mortgage and Financial Solutions Limited
- Sempre Mortgages & Protection Ltd
- Soul Mortgages Limited
- Springboard Financial Services Limited
- Traverse International Finance Limited
Nottingham
- Abbey House Mortgages Ltd
- Akers Pritchett Ltd
- Altitude Financial Solutions Limited
- Arun Financial Services Ltd
- Casa UK Mortgages Ltd
- Else Mortgages Ltd
- Harmony Financial Services Ltd
- Medical Wealthcare Limited
- Paul Willey Mortgage Brokers Ltd
- Robin Hood Mortgages Ltd
- Trent Finance Limited
- Vanguard Mortgage Solutions Ltd
- Zas Mortgages & Protection Limited
Harrow
- Bespoke Mortgages Ltd
- Crystal Financial Solutions Limited
- Empire Brokers Ltd
- Expert Independent Financial Planning Ltd
- Fusion Financial Services Limited
- Futture Homes Limited
- Grovehouse Financial Services Ltd
- London Mortgage Group Limited
- Ollo Financial Services Ltd
- Oxhey Finance Limited
- S A Group Services Ltd
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General information, not advice. Mortgage Brokers List is a directory and a set of free tools. Only an FCA-authorised adviser can recommend a mortgage for your circumstances. See our editorial standards.
