Buy-to-let mortgages in Bournemouth & Dorset
Expert Buy-to-Let Mortgage Advice to Maximise Rental Returns
Rated 5 stars on Google by local Landlords
Whether you’re a first-time landlord buying your first rental property, or an experienced investor growing a portfolio, choosing the right buy-to-let mortgage can make a significant difference to long-term returns.
Based in Bournemouth and Poole, we provide clear, practical advice to landlords across Dorset and Hampshire.
We offer whole-of-market solutions that help you achieve strong rental yield and secure rental property finance that supports your investment plans.
If you’re considering buying your first rental property, expanding a portfolio or exploring specialist landlord finance options, we help simplify the process:
Don't waste hours researching landlord loans, HMOs or holiday let mortgages across different lenders.
We have access to the whole market and can guide you towards the most suitable solution for your circumstances.
Do focus on finding the right property in the right location, whether that's in Bournemouth itself, or its surrounding towns.
Let us take the effort out of financing it. Our clients tell us our support in making their property goals a reality is invaluable.
We help clients get to grips with the buy-to-let mortgage market.
Call 📞 01202 895214 today for a no-obligation conversation.
Then we can start searching for the best deals and free your time up to focus on your investment property plan.
Buy-to-Let Remortgages, Refinancing & Equity Release
We help landlords remortgage or refinance existing buy-to-let properties.
Many landlords review their buy-to-let mortgage regularly to improve cash flow or support further investment.
Our advice covers a wide range of landlord remortgage options, whether you’re looking to secure a better rate, release equity, or restructure borrowing across a growing portfolio.
As well as helping new landlords secure their first buy-to-let mortgage, we also support investors looking to remortgage or refinance existing rental properties.
Whether your current deal is coming to an end, you want to release equity for another purchase, or you’re simply looking for a better rate, refinancing can be a smart way to reduce monthly payments and boost your overall returns.
We compare deals across the whole market and advise on the best options for:
• Landlords with single rental properties
• Investors with larger portfolios
• HMO and holiday let mortgages
• Equity release to fund further purchases
Get in touch to explore your buy-to-let mortgage options and receive a tailored landlord finance plan.
Buy-to-let Mortgage FAQs
Who do we help?
We work with a wide range of landlords, including first-time landlords, experienced investors with portfolio landlord mortgages, and those looking to remortgage or release equity from existing buy-to-let properties.
We also advise on more specialist buy-to-let lending, including HMO mortgage options and holiday let finance, where lender criteria, affordability and property use can differ from standard rental properties.
What are the criteria for taking out a Buy-to-let mortgage?
Mortgage lenders typically assess the amount you can borrow based on expected rental income alongside affordability. We help landlords understand how different products can support sustainable rental yield, both now and over the life of the mortgage. Typical eligibility:
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Rental income typically needs to be 25–45% higher than your mortgage payment.
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No minimum income required, but if you earn at least £25,000 per year you have more options
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You don't have to own your own home, but it helps!
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No upper age limit
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The minimum deposit for a Buy-to-let mortgage is usually 25% of the property’s value (although it can vary between 20-40%). Interest rates and fees also tend to be higher than residential mortgages.
Can I get a repayment buy-to-let mortgage?
Yes, repayment buy-to-let mortgages are available, although most buy-to-let mortgages are arranged on an interest-only basis.
With an interest-only mortgage, you pay the interest each month and repay the original loan at the end of the term. A repayment buy-to-let mortgage includes both interest and capital in each monthly payment, so the loan balance reduces over time and is fully repaid by the end of the term.
Not all lenders offer repayment options, and affordability is often assessed more strictly. Rental income is still considered, but some lenders may also take your personal income and wider financial position into account.
Whether repayment or interest-only is more suitable depends on your investment strategy, cash flow and long-term plans.
What is a bridging loan and a bridge-to-let?
A bridging loan is a short-term form of finance used to “bridge the gap” when funds are needed quickly, typically for periods of up to 12 months. It’s commonly used for property purchases, including buying at auction, funding renovations, or completing a purchase before another property is sold.
Bridging loans are usually priced monthly rather than annually, and interest is only charged for the time the loan is outstanding. This can be useful for investors planning a quick resale or refinance, as repaying the loan sooner reduces the total interest paid.
A bridge-to-let combines a bridging loan and a buy-to-let mortgage into one planned process. The bridging loan funds the purchase or refurbishment, and once the property is ready to let, it is refinanced onto a longer-term buy-to-let mortgage — all arranged under a single lending strategy.
Bridging loans are repaid either through the sale of the property or by refinancing onto a standard mortgage. While flexible, they are generally more expensive than traditional mortgages, and some products allow interest to be rolled up rather than paid monthly.
Buy-to-let mortgages can vary widely depending on the property, rental income and your longer-term plans. Taking a moment to understand your options can help you make confident, well-informed decisions before you move forward.
Ready to explore your buy-to-let options?
Whether you’re a first-time landlord or managing a growing portfolio, we can help you understand your borrowing options and next steps.
Call 01202 985214 or request a free call-back for a no-obligation conversation about your buy-to-let plans.
Calculators, buy-to-let success stories, blogs and guides
Buy-to-let mortgage calculators
If you’d like a starting point before speaking to us, our calculators can help you explore figures around borrowing and monthly payments. They’re designed to give a rough guide only, helping you understand what may be realistic based on rental income and deposit levels.
Buy-to-let success stories
Seeing how other landlords have approached their buy-to-let decisions can be helpful when weighing up your own options. Our case studies highlight real buy-to-let scenarios.
Buy-to-let mortgages in your local area
We work with buy-to-let landlords across Bournemouth, offering local insight into property types, rental demand and lender appetite. Here are just some of the areas we serve where you'll specific information on buy-to-let mortgages.