Grow Your Property Portfolio
Whether you're buying your first rental property or expanding an existing portfolio, I'll help you find the right buy-to-let mortgage and structure your investment for success. From first-time landlords to experienced investors, I provide expert guidance tailored to your goals.
First-Time Landlords to Portfolio Investors
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Limited Company & Personal Name Mortgages
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Specialist Lender Access
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First-Time Landlords to Portfolio Investors — Limited Company & Personal Name Mortgages — Specialist Lender Access —
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
✓ Limited company vs personal name explained
✓ Expert understanding of regulations and compliance
✓ In depth market knowledge
✓ Portfolio growth strategy and long-term planning
✓ Higher deposits required (typically 25%)
✓ Different criteria for portfolio landlords
How I Help Property Investors
Buy-to-let mortgages can be complex. Here's how I support investors:
✓ Proof of identity (passport or driving licence)
✓ 3 months of bank statements
✓ Details of your deposit source
✓ Proof of address (utility bill or bank statement)
✓ Proof of income (payslips or tax returns)
✓ Employment details and history
Buy to Let Mortgages Explained
A buy-to-let mortgage is designed specifically for purchasing property to rent out. Whether this is your first rental property or your tenth, I'll guide you through the process and help you find competitive rates.
✓ Based on rental income, not just your salary
✓ Option to purchase in personal name or limited company
Hundreds of 5-star reviews from happy clients
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I can’t recommend Aisling highly enough! She has helped us remortgage our home twice now, and I genuinely wouldn’t use anyone else.
The whole remortgaging process can feel really confusing to me, but Aisling has an amazing way of explaining everything clearly and making it all make sense. She never makes me feel silly for asking questions or not understanding something…
— Lisa & James
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We’ve trusted Aisling with our mortgage and insurance needs for over five years, as well as our remortgage, and we genuinely wouldn’t go anywhere else. From the very first conversation she carefully explained every mortgage and insurance option, helping us make informed decisions without ever feeling overwhelmed.
The advice she gave us when choosing our insurance turned out to be invaluable…
— Victoria & Chris
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Aisling helped me to review my financial situation and most importantly get my insurance in place. She explained the options clearly and guided me through the application and underwriting for my life insurance. It’s given me the peace of mind that my family will be financially supported if the worst was to happen.
— Ian Nevin
Eligibility & Requirements
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Deposit Requirement
Typically 25% minimum.
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Minimum Income
Most lenders require you to have an income of least £25,000. I also have access to lenders with lower thresholds.
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Property Type
Standard residential properties are easiest. HMOs or Holiday Lets may require specialist lenders. I can help with both.
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Rental Coverage
Rental income usually most cover 125%–145% of the mortgage payment at a stressed interest rate. I’ll crunch for the numbers for you.
✓ Calculating rental income required before you make an offer
✓ Connect you with local accountants and solicitors
✓ Understanding BTL mortgage criteria and how lenders assess applications
✓ Choosing the right property type and location for strong returns
First-Time Landlord
If this is your first rental property, I'll explain everything you need to know about buy-to-let mortgages, rental yields, and being a landlord. I'll guide you through each step and help you avoid common pitfalls.
✓ Proof of identity (passport or driving licence)
✓ 3 months of bank statements
✓ Details of your deposit source
✓ Proof of address (utility bill or bank statement)
✓ Proof of income (payslips or tax returns)
✓ Employment details and history
Additional Considerations
There are a few other important factors to consider when investing in buy-to-let property: Tax implications and how limited companies can be more tax-efficient, HMO (House in Multiple Occupation) licensing and requirements, Portfolio landlord criteria if you own multiple properties, Interest-only vs repayment mortgages for investment properties
Why Choose Me
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Personal Service
I will be your adviser and point of contact, from start to finish. When you work with me, you’ll deal with me every step of the way. You’ll have my direct phone number and email.
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More Time for You
I’ll handle all the paperwork with the lenders and insurers and give you clear updates as they come. I’ll also liaise with your solicitor or builder, meaning no time taken out of your day chasing updates.
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Passionate
I love my job. I’m passionate about helping people own their own property. I’ll ensure you have the right mortgage and insurance solutions at every stage of life.
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Experienced
I’ve been a Mortgage and Insurance Broker for over 8 years. In that time, I’ve helped countless clients buy their first home, move home, remortgage or invest in property. I’ve also helped clients keep their home when life has taken an unexpected turn.
Let's Discuss Your Property Investment
Tell me about your investment goals and I'll show you what's possible. Whether you're starting out or expanding your portfolio, I'm here to help.
Confidential | No Obligation
Common Questions Answered
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Most Buy-to-Let lenders require a deposit of at least 20% to 25% of the property's value, although some lenders may require more depending on your circumstances and the type of property. A larger deposit can often help you access more competitive Buy-to-Let mortgage rates.
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Yes, some lenders offer Buy-to-Let mortgages to first-time buyers, although the criteria are usually stricter. You may need a larger deposit, a higher income, and evidence that you understand the responsibilities of being a landlord. Get in touch and I can tell you more.
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The amount you can borrow is primarily based on the property's expected rental income. Most lenders require the rental income to exceed the mortgage payment by a certain percentage, often between 125% and 145%. Your personal income, credit history, and existing financial commitments may also be considered.
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Eligibility requirements vary between lenders but typically include:
Being at least 18 years old. Although some lenders require you to be 25.
Meeting minimum income requirements, usually £25,000 or above although this can vary.
Having a satisfactory credit history.
Providing an acceptable deposit, most lenders require 25%.
Demonstrating that the property's rental income meets the lender's affordability criteria.
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Yes, you can remortgage a Buy-to-Let property to secure a new interest rate, release equity for further property investments, or switch lenders when your current deal ends. Many landlords review their Buy-to-Let mortgage regularly to ensure they remain on a competitive rate. I can compare the latest remortgage deals and help you find a suitable option based on your property's value, rental income, and financial circumstances.
Need something else answered? Just ask!