Buy-to-Let and Let-to-Buy Landlord Mortgages
Support And Advice For Landlords
As the regulations for Buy to Let (BTL) and Let to Buy (LTB) mortgages have changed, it is even more important to ensure you have good, expert mortgage advice before selecting your mortgage product.
The criteria for securing a BTL or LTB mortgage varies massively by lender, including income requirements, and stress testing the rental income. There is no ‘one size fits all’ mortgage solution.
Payne Spencer Harris also understand that every Landlord has different priorities when it comes to their finances. You may wish to generate income for living costs, or plan for retirement. You may have multiple properties and want to look at the portfolio as a whole, ensuring each property is making the most for you – as an individual or as a Limited Company.
Whatever your circumstances and goals, we take all of this into consideration when we give you our advice and the benefit of our experience, ensuring that you get right deal to suit your needs.
Ready To Get Started?
Call: 01202 026 906
Email: [email protected]
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let and let to buy mortgages are not regulated by the Financial Conduct Authority. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
What Our Clients Say About Us
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We had an excellent experience with James as our mortgage broker. We were first time buyers and James was very patient with us in explaining various aspects of the process. He even supported in getting a conveyancer after our conveyancer fell through. Highly recommend! UPDATE: We worked with James for our second house purchase and he has been superb once again. We cannot recommend their services enough! He is a big part of why we have any sanity left after this process plus we were able to get a good deal in a difficult financial climate.
Nick Davey
26th April 2024I highly recommend James and their services to anyone in need of a supportive and results-driven mortgage advisor. Their professionalism, attention to detail, and willingness to go the extra mile make them stand out in the field. Thank you once again for making this process a positive and memorable one.
Bela Smith
30th January 2024James was fantastic with helping us complete our house purchase. He went above and beyond to explain the whole process and was incredibly proactive throughout. Would 100% recommend to anyone looking to purchase a property or remortgage. Overall excellent service.
Kane Taylor
19th January 2024 -
I am a repeat customer, which I think says a lot. These guys are fantastic and professional in every aspect of their work. Special mention to Will who had patience of a saint. My property chain kept falling through and he kept finding me new deals with the same cheerful attitude as ever.
Arvid Linde
27th November 2023James from Payne Spencer Harris was fantastic. I had a complex remortgaging problem and he very quickly found me a selection of the best deals to go for. Once the decisions were made he was incredibly proactive at getting everything to go through in record time. Thank you so much James!
Lee Robinson
22nd June 2023I’ve used Payne Spencer Harris a number of times relating to mortgages and they are great. Good knowledge and are so helpfull.
Joe Points
15th June 2023 -
James was incredibly helpful in finding me the best mortgage rate and explaining the process to me as a first time buyer. He was always on hand for any questions and explained things clearly and professionally. Definitely recommend!
ANNA STRAIN
12th May 2023Me and my partner bought our first home back in June this year. Will was very helpful throughout the whole process and worked incredibly hard to help us get the right mortgage for our needs. Highly recommend!
Andy Stevenson
7th December 2022Will has been an amazing, made the whole thing easier. Found a good deal, but not just that he did advised us a lot during the process. I will fully recommend him and we will go again with him for remortgage.
Erick Vieira
28th November 2022
“To be able to run a business where the client is at the centre of everything we do makes me incredibly proud.”
Ready To Get Financial Advice?
Get in touch with the Payne Spencer Harris team for a chat and see how we can help you.
Main Office: [email protected]
James Payne: [email protected]
Willam Harris: [email protected]
