.jpg)
Buy to Let Mortgages Made Simple
Thinking of investing in property?
Whether you’re a first-time landlord, a seasoned investor, or looking to remortgage an existing property, navigating the world of buy-to-let mortgages has become increasingly complex. With stricter regulations, reduced tax relief, and ever-changing lender criteria, it’s no wonder many landlords feel overwhelmed. That is why you need regular access to expert guidance and support from people you know you can trust.
At Optimus Mortgages, we take the hassle out of buy-to-let finance. We work with landlords of all experience levels, helping you secure the best mortgage deal while ensuring your investment remains tax-efficient and profitable.
Property Investment Made Clear
There’s a lot to think about. Changing regulations, lender stress testing, tax efficiency, deposit requirements, and more. But with the right preparation and expert advice, you can move forward with clarity and confidence. At Optimus Mortgages, we help landlords, new and experienced, navigate the buy to let market with confidence. Whether you’re buying in your own name or through a limited company, we’ll guide you to lenders who understand your goals and circumstances.
We can help you:
-
Find competitive rates tailored to your investment strategy.
-
Understand how rental income and affordability rules apply.
-
Compare personal vs. limited company buy to let options.
-
Access specialist lenders not available on the high street.
Buy to let mortgages are different from standard ones, and not all lenders take the same view. We’ll make sure you get advice that fits your portfolio, your goals, and the level of risk you’re comfortable with.
Property investors like you want friendly, no-pressure advice from someone who genuinely cares about helping them make the right decisions, not just getting the deal done.
Click below to get your free guide which will help you understand what you need to get mortgage-ready, avoid delays, and secure the most suitable finance for your circumstances.
Grow Your Property Portfolio the Smart Way
A buy to let mortgage isn’t just about interest rates, it’s about long-term planning, tax implications, and getting the right structure in place from the start. We’ll help you make informed decisions, not rushed ones.
Take the First Step Today
You don’t have to navigate this alone. Speak to one of our expert mortgage advisers for a free, no-obligation consultation, and let’s explore your options together.
📅 Book a free consultation
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED ON IT.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME INVESTMENT MORTGAGE CONTRACTS.
Your Buy-to-Let Mortgage Options
First-Time Landlord Mortgage – Entering the rental market for the first time? We’ll help you secure the right mortgage, even if you have no prior experience.
Portfolio Landlord Mortgage – If you own four or more rental properties, we’ll ensure your financing is structured efficiently to maximise your profits.
Limited Company Buy-to-Let – Many landlords are switching to limited company ownership due to tax changes. We’ll guide you through the best mortgage options available.
Remortgaging for a Better Deal – If your mortgage deal is coming to an end, we’ll find a competitive new rate, so you avoid costly lender standard variable rates (SVRs).
Releasing Equity to Expand – Need funds for your next property? We’ll help you unlock capital from your existing properties, ensuring your portfolio keeps growing.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME INVESTMENT MORTGAGE CONTRACTS.
Our Fees
At Optimus Mortgages we believe in being competitive and transparent on fees.
For all cases, our initial consultation is free, and you will not be asked to pay a fee until we are ready to submit the application on your behalf.
For a Buy to Let mortgage, a broker fee of £990.00 is payable in total. £495.00 is payable when you apply for a mortgage product and the remaining fee amount of £495.00 is payable on completion of the mortgage application. We will also be paid a commission from the lender / company that places a charge against / buys your home.
All future advice is fee-free. Any future mortgage applications will attract a reduced broker fee amount of £495.00 which will be payable on completion of the mortgage application.
For a specialist mortgage, a broker fee of £1,490.00 is payable in total. £495.00 is payable when you apply for a mortgage product and the remaining fee amount of £995.00 is payable on completion of the mortgage application. We will also be paid a commission from the lender / company that places a charge against / buys your home.
There are additional services and processes that you will need to pay for, such as solicitor’s fees, the lender’s application fee and surveyor’s valuation fee and these are additional expenses of which you need to be aware.
Optimus Mortgages work for you, not the lender, or anyone else. When you pay for later-life lending or mortgage advice rather than using a ‘free’ service, or going direct, you can trust that everything we do is in your best interests. Your personal mortgage adviser learns everything they need to know about your circumstances, so they can find you the best rates for your situation. We could potentially save you up to tens of thousands throughout the term of your later-life lending plan or mortgage.
The Financial Conduct Authority does not regulate some investment mortgage contracts.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME INVESTMENT MORTGAGE CONTRACTS.