Growth, yield, flexibility, tax efficiency, we advise based on what you want to achieve.
Behind Every Property Is a Plan, We Help Make Yours Work
Clear, independent support for landlords, whether you’re buying your first rental or managing a growing portfolio..
Our Solution
Buy-to-Let Can Be Complex, But It Doesn’t Need to Be
Whether you’re buying your first rental property or juggling a portfolio of 10, the buy-to-let landscape is ever changing and full of fine print.
Rates, fees, affordability calculations, lender criteria – it all adds up quickly.
At AS Financial, we approach buy-to-let advice differently. We take time to understand your long-term plans, assess the numbers properly, and guide you through the lending options that suit your strategy.
We don’t just find deals. We help you build a plan.
Let’s Grow Your Portfolio TogetherWhat You Need to Know
Before You Buy-to-Let: Key Things Landlords Should Understand
Here’s what matters:
Deposit requirements differ.
Most lenders ask for at least 20-25%, sometimes more, for portfolio landlords.
Interest-only isn’t always best.
It can lower repayments, but we’ll help you understand the bigger picture.
Affordability is calculated differently.
Buy-to-let borrowing depends on rental income projections, and every lender does it differently.
Fees can be steep.
Product fees on landlord mortgages can run into the thousands, we’ll help you weigh the cost vs. value.
Protection still matters.
Landlords need cover too, for life, income, or worst-case scenarios. We offer advice, not pressure.
Our Process
How We Support Your Buy-to-Let Journey
We don’t just find you a mortgage, we help you think strategically.
Here’s how we make a difference:
01/
We start with your goals
02/
We cut through complexity
Clear guidance on structuring, stress tests, limited company rules, and more.
03/
We’re lender-agnostic
Our independence means we focus on what’s right for you, not what earns us a commission.
04/
We speak landlord
We understand the challenges you face, from changing regulations to market pressures.
05/
We’re long-term partners
Whether you’re refinancing, restructuring, or expanding your portfolio, we’re in your corner.
I’d built a small buy-to-let portfolio but hit a wall with my borrowing limits and lender requirements. AS Financial talked me through how different lenders assess affordability, helped restructure my mortgage setup, and guided me through two successful purchases within a year. They’re one of the few firms that make complex things feel simple.
Daniel
Portfolio Landlord, Birmingham
Need Help
Buy-to-Let Mortgage FAQs
Do I need a 25% deposit for buy-to-let?
Typically, yes, but some lenders may accept less. We’ll help you explore the right fit.
Can I get an interest-only buy-to-let mortgage?
Yes, many landlords do. But it’s important to understand how it impacts long-term planning. We’ll explain the pros and cons.
Can I remortgage a buy-to-let property?
Absolutely. Whether you’re releasing equity or switching lenders, we help make the process smooth.
What’s the difference between personal name and limited company buy-to-let?
It affects tax, structure, and borrowing. We’ll walk you through both options and help you decide what suits your situation.