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The Buy to Let Broker

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The Buy to Let Broker

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A UK Buy to Let expert - where niche landlord mortgages are the norm. Award-winning 'human advice' mortgage specialists - rated 5/5 by our clients.

The Buy to Let Broker is a trading name of The Buy to Let Broker Ltd (FCA Reference 506579), an Appointed Representative of Pivotal Financial Limited (FCA Reference 665649), which is authorised and regulated by the Financial Conduct Authority. We are a whole of market credit broker, not a lender. We may receive commission which varies. The Buy to Let Broker Ltd is registered in England No. 6747769. Registered office: Jubilee Lodge, Canning Road, Southport, PR9 7SW. Pivotal Financial Limited is registered in England No. 09157892. Registered office: 25 Christopher Street, London, EC2A 2BS. Calls may be recorded. Think carefully before securing other debts against your home or property. The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. Your initial mortgage consultation is free of charge and without obligation. We normally charge a fee for our mortgage service, however, this will depend on your circumstances. Our standard fixed fee is £750 payable only on receipt of your mortgage offer. However, we will discuss and agree on the fee with you before submitting any mortgage application. The guidance and/or information contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

04/11/2026

It may be Bonfire Night tomorrow 🎆 but before we get to the fireworks, the Bank of England will announce its next interest rate decision on Thursday at midday 📣

The Bank Rate was held at 3.75% in September. Whatever happens, if your buy-to-let deal is coming to an end in the next six months, it could be worth reviewing your position now. Many lenders allow you to secure a new rate months in advance.

Want to talk it through? Our team is here to help.

This post is for information purposes only. Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

31/10/2026

From all the team at The Buy to Let Broker, we're wishing you a spooktastic Halloween 🎃

Whether it be property-related or otherwise, we hope you receive many treats and no tricks 👻

29/10/2026

What the Autumn Budget 2026 could mean for landlords 👇

⏰ Time to plan: Property income tax rates for individual landlords will rise to 24%, 44% and 49% from April 2027 (England, Wales and Northern Ireland). With the rates and dates now announced, there’s time to plan ahead.

👀 A cautious market outlook: The Office for Budget Responsibility (OBR), the government’s independent forecaster, expects house price growth of around 2% in 2026 and 2.5% in 2027. It also expects the average rate across outstanding mortgages to rise from around 4% to around 5% by 2031, so it could be worth reviewing your borrowing early.

🏠 Stamp Duty Land Tax (SDLT): No changes to rates. SDLT will no longer apply to the rent element of assured tenancies in England, removing a technical complication created by the Renters’ Rights Act.

Want to talk about what it could mean for your mortgage? Our team is here to help – contact us today.

This post is for information purposes only. Information correct at time of posting. Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. We do not provide tax advice – please speak to a qualified tax adviser.

27/10/2026

🏘️ Thinking about an HMO?

Before you apply, here are 5 things lenders could look at – swipe to find out more! 👉

Criteria vary a lot between lenders – our specialists can help. Contact us today.

For informational purposes only. Lender criteria vary and are subject to change – always confirm individual lender requirements directly. Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

21/10/2026

28 is the typical number of days you have to complete after winning a lot at auction – and it's the reason bridging finance is so common and useful in these scenarios

Traditional mortgage products can't always move fast enough for auction completion, bridging often can 💪

With the right preparation and adviser in place before you set foot in the auction room, you may be better placed to complete within the auction window.

Speak to our specialist team before your next auction date to explore your options.

Think carefully before securing debt against your property. Your property may be repossessed if you do not keep up repayments on a loan secured against it.

15/10/2026

In bridging finance, your exit strategy isn't a formality – it's the first thing a lender looks at and the fastest way to get a deal declined if it's weak 🙌

Lenders are favouring lower-risk, well-structured cases, a vague exit isn't just a red flag – it's a decline.

If you're looking to present your case and its exit in a credible way, our specialist team is here to understand your position and explore your options.

Think carefully before securing debt against your property. Your property may be repossessed if you do not keep up repayments on a loan secured against it.

13/10/2026

⏳ Is your buy-to-let deal ending in the next six months?

The Bank of England held Bank Rate at 3.75% in September, with the next decision due on 5 November. Lenders often adjust their rates ahead of announcements – so planning early could help you explore the options available.

Many lenders let you secure a new rate months in advance. Our team can help you compare your options 🙌

Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

09/10/2026

Tomorrow is World Mental Health Day.

Being a landlord comes with a lot of responsibility. If you're finding things tough recently, property related or not – please don't face it alone – it's okay to ask for help.

01/10/2026

For buy-to-let mortgages, lenders usually require projected rental income to cover a minimum of 145% of the mortgage payment – stress-tested at rates of 5.5% or potentially higher – to ensure the viability of the lending.

With deposits also typically being larger (usually 20–25%), having a strong financial position is more important here than your standard residential mortgage.

At The Buy to Let Broker, we're here to make sense of your position. And having a team like ours in your corner means you get dedicated, specialist expertise behind your application when you're ready 💪

For informational purposes only. Not financial advice. Lender criteria, stress rates, and deposit requirements vary and are subject to change. Your property may be repossessed if you do not keep up repayments on your mortgage.The FCA does not regulate most buy-to-let mortgages

25/09/2026

Through all the submissions and phone calls working to get you the right deal, one thing never changes – our teams incredible hard work 💪

Shoutout to our team for every completion, call and advice given 🙌

Address

Suite 1. 04, Part First Floor, 3 Southport Business Park, Wight Moss Way
Southport
PR84HQ

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Website

https://www.thebuytoletbroker.co.uk/

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