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Everything you need to know about buy to let mortgages

For clients across Berkshire looking at property as an investment opportunity, Beechwood Mortgages can offer practical advice to help you find the best buy to let mortgage.

Whatever your situation, we’re here to help

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With access to a whole catalogue of competitive lenders, we can ensure you get the best rates on the market.

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Find out more about market trends and make the most of your purchase.

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Learn more about the tax implications on rent from your new property.

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We offer advice on the ideal mortgage rates and most affordable deals for your circumstances.

Navigating you on your buy to let journey

We realise that becoming a private landlord can be a challenge, with various financial responsibilities and legal implications to consider. That’s why Beechwood Mortgages aims to help your transaction run smoothly.


Working with our experts gives you access to numerous buy to let mortgages, with varying rates available so you can maximise the potential of your property investment. We have many years’ experience operating in Berkshire and all surrounding counties, giving us an outstanding level of industry knowledge that we’re passionate about sharing with our clients.


Please be aware that not all buy to let mortgages are regulated by the Financial Conduct Authority.

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How can we help you?

If it’s your first time buying a property for rental purposes, the process, financial responsibilities and legal obligations may feel daunting. However, Beechwood Mortgages will help simplify the jargon and enable you to consider the key differences when it comes to lenders and mortgages. Some things to consider include:


  • Fees and interest rates are often higher than residential deals

  • Cash reserves are crucial, preparing you for any major repair work

  • Larger deposits are required by lenders

  • If a property is unoccupied, you still need to meet your mortgage payments

  • As the full mortgage amount is often paid back at the end of an agreed term, it is important for you to try to avoid relying on selling your investment home to pay off this debt

  • If house prices fall you may find that you'll be left to make up any financial difference on the mortgage using a different source of capital.

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Save money and access the best rates

If a mortgage deal doesn’t work for you, leaving before the end of the agreed term could lead to early repayment charges from lenders. That’s why it’s imperative that we get this right first time. Our buy to let mortgage experts not only have access to exclusive lenders and deals, but we offer invaluable advice to ensure you get the right rates for you.


Remember, there are higher fees and generally higher interest rates on these types of mortgage deals. Our impartial advice can help you consider your options and make a confident choice.  

  • What does a mortgage adviser do?
    The world of mortgaging is complex. Especially when it comes to lending for Buy to Let and the like, it's crucial to research numerous lenders and take a more specialist approach to the process. A mortgage adviser will do the leg work for you, offering in-depth knowledge of the property lending market, helping you overcome challenges, and offering exclusive access to a database of banks and lenders. What's more, they offer a level of support that streamlines the entire process and makes things easier for you.
  • How can I get the best mortgage advice?
    You can seek advice on mortgages directly from lenders such as banks or building societies. Alternatively, you can go to a whole of market mortgage adviser or broker who will search and compare numerous products at the touch of a button.
  • Is mortgage advice free?
    The cost of mortgage advice depends on the terms and conditions of the adviser. Some mortgage advisers might charge for their services but this will usually depend on your requirements and on the value of your mortgage. We offer a free consultation every time and will quickly confirm if there will be any charge for our services and support. In the majority of cases, we will receive a commission from the lender once a mortgage starts. It’s important for you to clarify terms and conditions with mortgage advisers from the start so that you are aware of any charges and financial responsibilities you may incur. Check our Fees page for a full rundown on broker fees.
  • Do banks charge for mortgage advice?
    No, banks will not charge an advice fee. You do however need to remember that they will only recommend their own specific products. Whole of market mortgage advisers are more likely to provide an impartial perspective on the most suitable and competitive mortgage products and via a variety of lenders.

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Get advice from our experts at Beechwood Mortgages

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In need of advice for your buy to let mortgage? Book a FREE consultation

You can reach our experienced advisors by completing our online form or by giving us a call on 0118 9455 477.

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