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?

Contact us about our Mortgage Advice Services and find out more about how we can help you.

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

  • 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 Avatar Nick Davey
    26th April 2024

    I 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 Avatar Bela Smith
    30th January 2024

    James 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 Avatar 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 Avatar Arvid Linde
    27th November 2023

    James 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 Avatar Lee Robinson
    22nd June 2023

    I’ve used Payne Spencer Harris a number of times relating to mortgages and they are great. Good knowledge and are so helpfull.

    Joe Points Avatar 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!

    12th May 2023

    Me 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 Avatar Andy Stevenson
    7th December 2022

    Will 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 Avatar 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.”

James Payne - Director

Ready To Get Financial Advice?

Get in touch with the Payne Spencer Harris team for a chat and see how we can help you.

Call us


Main Office: 01202 026 906
James Payne: 07989 578 313
Willam Harris: 07568 055 789

Email us


Main Office: [email protected]
James Payne: [email protected]
Willam Harris: [email protected]


10 The Axium Centre, Dorchester Road
Poole, Dorset, BH16 6FE

Get directions

Payne Spencer Harris Financial Advisers Limited is a company registered in England and Wales 10551102 whose registered office is situated at James House 40 Lagland Street, Poole, United Kingdom, BH15 1QG

Payne Spencer Harris Financial Advisers Limited is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.