What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Pure Mortgage and Protection

Home
United Kingdom
Cardiff
Pure Mortgage and Protection

Mortgage Broker specialising in Buy-to-Let & portfolio finance.

Pure Mortgage and Protection is a trading style of Tracey Dixon, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

01/09/2026

Can you remortgage a buy-to-let property if it doesn’t currently have a tenant?

Potentially, yes.

Some lenders may use the expected market rent confirmed by a surveyor, rather than requiring an existing tenant and tenancy agreement.

The lender is likely to consider why the property is empty, how long it has been vacant and whether it is currently in a lettable condition.

If the property is simply between tenants and ready to be occupied, suitable remortgage options may still be available. However, if it needs substantial work or isn’t currently habitable, the choice of lenders could be more restricted.

An empty property doesn’t automatically mean it cannot be remortgaged—the circumstances need to be matched with the right lender.

Is your buy-to-let property currently empty or between tenants?

Your property may be repossessed if you do not keep up repayments on your mortgage.

Some forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.

25/08/2026

Everything appears to work:

✅ Good income
✅ Healthy deposit
✅ Strong rental figures

But the mortgage still isn’t straightforward.

This is because buy-to-let lenders assess more than the landlord’s income and deposit. They also need to be comfortable with the property being used as security.

Its construction, condition, location and intended use can all affect the lenders and mortgage products available.

Being declined by one lender doesn’t always mean the property cannot be mortgaged. It may simply require a lender with different criteria—and that’s where researching the property properly before submitting an application becomes so important.

If you’re considering a property and aren’t sure how lenders may view it, it is worth checking before committing to valuation and legal costs.

Have you ever experienced a mortgage problem because of the property itself?

Your property may be repossessed if you do not keep up repayments on your mortgage.

Some forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.

21/08/2026

🏠 The lowest rate doesn’t always mean the cheapest mortgage.
A tempting headline rate can look great — but once you factor in fees, monthly payments and the overall cost of the deal, the picture can change.That’s why I compare the true cost, not just the rate. 🔍
📩 Buy-to-Let mortgage coming up for review? Drop me a message and let’s look at your options.

Your property may be repossessed if you do not keep up repayments on your mortgage.
Some forms of Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

18/08/2026

🏠 Is your Buy-to-Let mortgage ending soon?
Staying with your current lender might be the easiest option — but is it the right one?Before you accept a new deal, it’s worth seeing what else is available.

📩 Message me REVIEW if your mortgage ends within the next 6 months.

Your property may be repossessed if you do not keep up repayments on your mortgage.
Some forms of Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

16/08/2026

🏡 LANDLORD INSIGHT
A strong income and deposit don’t necessarily mean every lender will accept your Buy-to-Let application.Why?
Because lenders aren’t only assessing you.They’re assessing the property too.Property type, construction, location and lease details are just some of the things that can affect lender choice.I’ve dealt with cases where the client’s finances stacked up perfectly well, but finding the right lender for the property was the real challenge.That’s where understanding individual lender criteria becomes so important.
A Buy-to-Let mortgage isn’t simply about finding a competitive rate.
Sometimes it’s about knowing where the property fits.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Pure Mortgage & Protection is a trading style of Tracey Dixon, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

04/08/2026

This is based on a real conversation I had recently.The client came looking for the lowest rate.After reviewing the whole picture, another mortgage actually worked out better.Looking beyond the headline rate can make a significant difference.
Have you ever compared mortgages on more than just the interest rate?

Your property may be repossessed if you do not keep up repayments on your mortgage.
Some forms of Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

03/08/2026

One of the biggest mistakes I see landlords make is focusing on just one number...The interest rate.A mortgage should be working for your investment, not just looking good on a comparison table.Sometimes paying slightly more on the rate can actually leave you better off once fees, flexibility and future plans are taken into account.
Before choosing your next Buy-to-Let mortgage, ask these five questions first.

Which one surprised you most?
👇 Let me know below.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Some forms of Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

28/07/2026

Most landlords keep an eye on their properties... but when was the last time you reviewed your mortgage?
A mortgage that suited you a few years ago may no longer be helping you achieve your investment goals.
Take a look through this post to see why a regular mortgage review could be one of the smartest things you do for your portfolio.

💬 Comment "REVIEW" if you'd like to know what I'd be looking for.

Pure Mortgage and Protection is a trading style of Tracey Dixon, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

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

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

27/07/2026

🏡 LANDLORD INSIGHT
A landlord recently asked me for the cheapest Buy-to-Let mortgage I could find.It seemed like a straightforward request.But after discussing their future plans, it became clear they wanted to buy another investment property in the near future.
That changed everything.
The cheapest mortgage wasn't the one that best supported their long-term plans.Sometimes flexibility is worth far more than a slightly lower monthly payment.That's why every recommendation starts with understanding your goals—not just comparing interest rates.

💬 Have you ever chosen something because it looked cheaper, only to realise later it wasn't the best option?

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

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Pure Mortgage & Protection is a trading style of Tracey Dixon, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

26/07/2026

🏡 LANDLORD INSIGHT
People often think the hardest part of a Buy-to-Let remortgage is finding the lowest interest rate.In this case, it wasn’t.The challenge was finding a lender whose property criteria matched the client’s ex-local authority flat.Every lender has different criteria, which is why looking beyond the headline rate can make all the difference.

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

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Pure Mortgage & Protection is a trading style of Tracey Dixon, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

Address

International House, 10 Churchill Way
Cardiff
CF102HE

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+447581294335

Website

http://www.puremortgageandprotection.co.uk/

Alerts

Be the first to know and let us send you an email when Pure Mortgage and Protection posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in Cardiff?