Whole-of-market mortgage advice
Buy-to-Let Mortgages in Sleaford & Lincolnshire
Whether you are buying your first rental or expanding a portfolio, the buy-to-let market moves quickly and lenders' criteria with it. We keep on top of it so you get a deal that actually stacks up for your numbers.
5.0★ · 701 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
I was looking to remortgage some buy-to-lets. It was not straightforward but they managed to put a deal together. Communication was good, no problems.
Buy-to-let is a numbers game, and the numbers change often. Lender stress tests, criteria and tax treatment all shift, and a deal that worked last year may not work today. We stay on top of the market so the mortgage behind your investment is always one that genuinely stacks up.
First rental or growing a portfolio
Whether this is your first investment property or your tenth, we match you to lenders who suit your position. We compare holding the property in your own name against a limited company in plain terms, so the structure fits your longer-term plans rather than just this purchase.
Whole of market, specialist lenders included
We search mainstream and specialist buy-to-let lenders, including those you cannot approach directly, and run the rental stress test up front so there are no surprises. Not all buy-to-let mortgages are regulated by the Financial Conduct Authority.
Is this you?
We help landlords like…
- Buying your first rental property in Lincolnshire
- Growing an existing portfolio
- Switching a let onto a better rate
- Considering a limited company structure
- Inheriting or converting a property to let
Why a broker
Why landlords use a mortgage adviser
Buy-to-let criteria, stress tests and tax treatment shift constantly, and one lender only ever shows you one view. We compare the whole market, including specialist landlord lenders, so your deal is built around your rental numbers and your plans.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help landlords, step by step
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Understand your numbers
We start with the rent, the property and your wider position, then check it against current lender stress tests so you know early what is achievable.
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Personal or limited company
We compare holding the property personally against a limited company, in plain terms, so the structure fits your plans and not just this one deal.
-
Whole of market, specialist included
We search mainstream and specialist buy-to-let lenders, including names you cannot approach directly, for the rate and criteria that suit you.
-
We handle the application
From the valuation to the offer, we manage the paperwork and chase the lender, keeping you free to focus on the property.
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Completed and let
We see it through to completion and are here for the next one when you are ready to grow.
Local to you
Advising on buy-to-let mortgages across Sleaford & Lincolnshire
From our Sleaford office on Carre Street we advise landlords across Lincolnshire and beyond, from Lincoln and Grantham to Newark and Boston. Not all buy-to-let mortgages are regulated by the Financial Conduct Authority, and we are happy to talk it through in person or remotely.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Buy-to-Let Mortgages: your questions answered
How does a buy-to-let mortgage work?
You borrow against a property you rent out, usually on interest-only, and the lender assesses the expected rent as well as your income. Most need around a 25% deposit.
How do I get a buy-to-let mortgage?
You typically need a deposit of about 25%, and the rent usually has to cover 125% to 145% of the mortgage interest. We match you to a lender that fits, from a first rental to a portfolio.
What is a buy-to-let remortgage?
Switching your rental to a new deal at the end of a fixed term, or to release equity for another purchase. We compare your options across the market.
In your area
Buy-to-Let Mortgages near you
Local advice for landlords, tuned to your town and its housing market.
What clients say
701 verified reviews, rated 5.0
258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.
