Buying a rental property or expanding your portfolio can be highly rewarding — but buy-to-let mortgages come with specific rules, criteria, and risks. At Middleton Finance, I provide clear, expert guidance to help you make informed decisions, avoid costly mistakes, and structure your mortgage correctly from the outset. From lender selection through to mortgage completion, I manage the process from start to finish — so you can focus on building your property strategy with confidence.
Trusted by landlords across the UK, I make buy-to-let mortgages straightforward, transparent, and aligned with your investment goals.
Benefits of working with Middleton Finance:
• Clear guidance on rental income, stress testing, and affordability
• Support for first-time landlords and experienced portfolio investors
• Reduced risk of declined or delayed applications
• Professional, transparent advice — always in your best interests
• Calm, jargon-free guidance at every stage
No two property investors are the same. Whether you’re purchasing your first rental property or expanding an established portfolio, I tailor advice to your circumstances and long-term plans.
I regularly support landlords with:
• First-time buy-to-let purchases
• Remortgaging existing rental properties
• Portfolio landlord lending and expansion
• Interest-only vs repayment options
• Limited company vs personal ownership
Most buy-to-let lenders assess applications based on:
Some lenders also support first-time landlords or applicants with limited experience. I assess your position carefully and match you with lenders most likely to approve your application.
Where appropriate, I work alongside accountants to ensure your mortgage structure supports your wider financial position.
I guide you through the entire mortgage journey so you always know what’s happening and what comes next:
1️⃣ Initial consultation – Discuss your investment goals and property plans
2️⃣ Lender research – Identify suitable buy-to-let mortgage options
3️⃣ Mortgage recommendation – Clear explanation of products, rates, and terms
4️⃣ Application & paperwork – I manage the process with lenders
5️⃣ Mortgage offer & completion – Ongoing support through to completion
You’ll stay informed at every stage, helping you avoid unnecessary delays and costly errors.
My broker fee is £399, payable only once you receive a formal mortgage offer.
A lender may also pay a commission, which will always be disclosed clearly.
Yes. Many lenders support first-time landlords. I’ll assess your eligibility and guide you to suitable options..
Yes. Rental income is stress-tested, typically at 125–145% of mortgage payments. I ensure applications meet lender criteria before submission.
Yes. I advise on lender policies, mortgage structures, and considerations around limited company ownership.
Typically 2–6 weeks from application to offer, depending on the lender and valuation. I manage the process to keep things moving.
Most are not, except for certain consumer buy-to-let cases. I explain this clearly so you understand how it applies to you.
Still have a question? Get in touch.
Buying or remortgaging a rental property doesn’t need to feel complicated. I provide calm, clear, expert guidance for property investors across the UK.