FCA REGULATED · BUY TO LET SPECIALISTS
BUY TO LET SPECIALISTS
Whether you are buying your first investment property or expanding an existing portfolio, Verona Mortgages provides buy to let mortgage advice for individual landlords, limited companies and more complex property investments.
Access to a Wide Range of Lenders
Explore buy to let mortgage options from a wide range of lenders, including specialist providers.
Personal & Limited Company
Explore buy to let mortgage options whether you are purchasing personally or through a limited company.
Professional Mortgage Advice
Clear mortgage advice based on your circumstances, with support throughout the process.
Portfolio & HMO Mortgages
Mortgage options for portfolio landlords, HMOs and more complex property investment circumstances.
we help with
Buy to Let Mortgage Advice for Different Types of Landlords
Whether you are buying your first investment property or expanding an existing portfolio, we can explore buy to let mortgage options based on your property, circumstances and how you plan to invest.
- First investment property - Understanding buy to let mortgage requirements and rental income considerations.
- Limited company buy to let - Exploring mortgage options where a property is being purchased through a limited company.
- Portfolio landlord mortgages - Mortgage options for landlords with an existing property portfolio.
- HMO mortgages - Exploring specialist mortgage options for houses in multiple occupation.
- Buy to let remortgages - Reviewing mortgage options for an existing investment property.
- Holiday let mortgages - Mortgage options for eligible properties intended for short-term holiday letting.
the process
How We Explore Your Buy to Let Mortgage Options
01
Tell Us About Your Investment
Tell us about the property, your existing portfolio and whether you are buying personally or through a limited company. This gives us a clear picture of your plans and circumstances.
02
We Explore Your Options
We explore buy to let mortgage options from a wide range of lenders, considering factors such as the property, rental income, deposit and lender criteria.
03
We Handle the Application
Once you decide how you would like to proceed, we manage your mortgage application and keep you updated as it progresses.
YOUR OPTIONS
Buy to Let Mortgages – Understanding Your Options
Buy to let mortgages are assessed differently from residential mortgages. The property, expected rental income, your circumstances and how you intend to own the property can all affect the mortgage options available.
Personal Name Buy to Let
Buying a rental property in your personal name is one route available to landlords. We can explore mortgage options based on the property, expected rental income and your circumstances.
Limited Company Buy to Let
If you are purchasing through a limited company, we can explore buy to let mortgage options from lenders that accept eligible company structures, including Special Purpose Vehicles (SPVs).
Portfolio & HMO Mortgages
Landlords with multiple properties or HMOs may need lenders with more specialist criteria. We can explore mortgage options based on your portfolio, property type and circumstances.
- The most appropriate ownership structure will depend on your individual circumstances. Verona Mortgages provides mortgage advice; you should seek appropriate tax or legal advice when deciding how to own an investment property.
MEET THE ADVISERS
Speak With a Mortgage Adviser
Get to know the people behind Verona Mortgages. Our Mortgage Advisers provide personal mortgage support from your initial enquiry through to completion.
Yousef Gholami
Mortgage Adviser
Speak directly with Yousef about your mortgage options and next steps. Clear, straightforward advice based on your circumstances.
Daniel Mehrnia
Mortgage Adviser
Speak directly with Daniel about your mortgage options and next steps. Clear, straightforward advice based on your circumstances.
Mohammad Sharif Zadeh
Mortgage Adviser
Speak directly with Mohammad about your mortgage options and next steps. Clear, straightforward advice based on your circumstances.
Shaghayegh Pouravin
Mortgage Adviser
Speak directly with Shaghayegh about your mortgage options and next steps. Clear, straightforward advice based on your circumstances.
FREQUENTLY ASKED QUESTIONS
Buy to Let Mortgage Questions, Answered
Buy to let mortgages work differently from residential mortgages. Here are answers to some common questions from landlords and property investors.
How much deposit do I need for a buy to let mortgage?
Buy to let mortgages generally require a larger deposit than residential mortgages. The amount you need will depend on the property, lender and your circumstances, so we can explore the options available to you.
How much can I borrow on a buy to let mortgage?
Lenders may consider factors including the expected rental income, property value, your circumstances and their own affordability and lending criteria. The way this is assessed varies between lenders.
Can I get a buy to let mortgage through a limited company?
Yes, some lenders offer buy to let mortgages for eligible limited companies, including Special Purpose Vehicles (SPVs). The mortgage options available will depend on the company structure, property and lender criteria.
Can I get a buy to let mortgage if I am a first-time landlord?
Yes, mortgage options may be available if you are buying your first investment property. Lender requirements vary, and some will also consider whether you already own your own home, your income and the expected rental income from the property.
Can I get a mortgage for an HMO or property portfolio?
Yes, there are lenders that consider HMOs and portfolio landlords, although these applications can involve more specialist criteria. The lender may consider the property as well as your wider portfolio and circumstances.
Can I remortgage an existing buy to let property?
Yes. Landlords may consider remortgaging for a number of reasons, such as reviewing an existing mortgage or raising capital where appropriate. We can explore the mortgage options available for your property and circumstances.
Ready to Grow Your Portfolio?
Whether you are buying your first investment property, expanding your portfolio or reviewing an existing buy to let mortgage, talk through your mortgage options with an adviser.