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Whether you’re a first-time landlord, adding to your portfolio, or thinking about renting out your current home, you will need to obtain a buy-to-let (BTL) mortgage.

BTL’s are a tricky beast, but as seasoned experts we can confidently guide you through the process. Buy-to-let mortgages are assessed on how much rent your property can generate compared to the cost of the mortgage itself. Most lenders will require you to have a minimum salary and typically you will be required to cover at least 20% of the deposit. Interest rates, arrangement fees and conveyancing fees can also be higher, so why not let us navigate this minefield for you?

Start your journey...


Show me the money

Click here to use our handy Mortgage Calculator to get an idea of what you might be able to borrow. Our calculator provides a guide to monthly payments but does not guarantee eligibility. So, to get the whole picture and really understand the best rates available to you, we’d recommend having a chat with one of our expert mortgage advisers on 0203 195 1982.

You can also get an idea of sold house prices and current estimated values of any UK property by clicking here.


Give us a call

Phone our team on 0203 195 1982 to arrange an appointment at your convenience. Or you can book an appointment online by clicking here.

Or, if you’d like to see our faces in real life, you’re very welcome to pop by our lovely offices (we’ll put the kettle on). Alternatively, we can come to your home, workplace or even your favourite coffee shop to meet with you. Whenever and wherever suits you, we’ll be there!

Heron Financial, mortgage brokers, insurance specialists, UK, London, Home Counties, England

Let’s get to know each other

Prior to our meeting we’ll let you know exactly what documents you’ll require. During our meeting we’ll chat with you about your lifestyle, your aspirations and what options best suit your very individual circumstances and needs.

Then we’ll walk you through the whole process, so you know exactly what to expect. We want you to feel confident, happy and well looked after.

Heron Financial, mortgage brokers, insurance specialists, UK, London, Home Counties, England

We’ll do the hard work

Whether you’re an experienced or first-time landlord we can provide you with exceptional support. We’re accomplished in securing mortgages for both buy-to-let and limited company buy-to-lets.

Once we’ve agreed on a mortgage product we’ll then manage the entire process right until the end. You’ll be personally looked after by dedicated professionals who’ll keep you regularly updated each step of the way.

Heron Financial, mortgage brokers, insurance specialists, UK, London, Home Counties, England

You officially have a buy-to-let mortgage

Now you can continue with your life as a landlord safe in the knowledge that we’ll be there for you no matter what.

Whether you want to renew, remortgage or obtain an additional mortgage, we’re always only one call away. We don’t just end our relationship once the deal’s been done, we’ll keep in gentle contact and will continue to be there for you should you need any advice.

Heron Financial, mortgage brokers, insurance specialists, UK, London, Home Counties, England

Help to buy

We can also provide you with advice on the government’s Help to Buy: Shared Ownership scheme which offers you the chance to buy a share of your home (between 25% and 75% of the home’s value) and pay rent on the remaining share. Later on, you could buy bigger shares when you can afford to.

Call us on 0203 195 1982 to find out more, or check out the official government website by clicking here.

Book an appointment online - fast and fuss free. Click here.

We have a duty of care to ensure that all our mortgage clients fully understand the importance of protection, taking a moment to check that in the eventuality of income vulnerability or unforeseen illness, you and your family have adequate cover to protect such circumstances which, as we all know, sadly do arise. To discuss your options please call us on 0203 195 1982 or find out more here.

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