First Time Buy to Let Mortgages in London
Step confidently into property investment with expert mortgage guidance
Becoming a landlord for the first time is exciting — but navigating the mortgage process can be complex. Our specialist brokers simplify everything, helping you secure the right first time Buy to Let mortgage quickly and with confidence.
- Fast property finance for complex deals
- Access to 100+ trusted lenders
- Competitive rates from 0.49% per month
- Flexible terms up to 25 years
"I couldn’t recommend this bridging loans broker more highly!"
Our Bridging Loan Services
About Our Firm
As a specialist bridging loan broker based in London, we provide fast, flexible funding solutions for time-sensitive property transactions. Our team works with a wide network of private, commercial, and international lenders to secure bespoke terms that traditional banks can’t match.
We act exclusively on your behalf, ensuring your loan is structured to your advantage — with clear communication, fast decisions, and no unnecessary delays.
Key Stats:
15+ Years’ Experience in property and finance
£500M+ Bridging Finance Arranged
Access to 120+ Lenders
Clients in 10+ Countries
What Is a First Time Buy to Let Mortgage?
A First Time Buy to Let mortgage allows new investors to purchase property to rent out — even if you’ve never owned a home or held a mortgage before. These products are designed for first-time buyers entering the rental market, often with flexible criteria and additional support from lenders.
You can use a first time Buy to Let mortgage to:
Purchase your first investment property
Rent out a property while living elsewhere
Generate long-term rental income
Build your property portfolio from scratch
Whether you’re investing in London or beyond, our brokers guide you through each step — from assessing affordability to securing approval.
How Does a First Time Buy to Let Mortgage Work?
Buy to Let mortgages differ from standard residential loans because approval is based primarily on rental income potential, not personal salary.
Here’s how the process typically works:
We assess your income, deposit, and investment goals.
Our brokers compare mortgage products from 100+ lenders.
We present you with tailored options suited to your budget.
Once approved, you can complete your property purchase and start earning rental income.
We’ll also advise on your exit strategy — whether refinancing, selling, or expanding your portfolio — ensuring your investment stays financially sound.
Expert Buy To Let Brokers You Can Trust
Our brokers have decades of experience structuring high-value deals for UK and international clients. We understand the complexities of short-term finance and specialise in finding creative solutions where traditional lenders can’t deliver.
Frequently Asked Questions
Most lenders require a minimum deposit of 25%, though some offer lower LTVs depending on your income and the property type.
Yes — many lenders now offer first time buyer Buy to Let mortgages, and our brokers can help identify those most suitable for your profile.
While rental income is key, most lenders prefer applicants with a minimum annual income of around £25,000. Our team can match you with lenders offering flexible criteria.
Absolutely. Setting up a limited company (SPV) can offer tax efficiency and flexibility — we’ll guide you through the process if it’s the right fit for your goals.
A residential mortgage is for a home you live in, while a Buy to Let mortgage is designed for investment properties that generate rental income.
Some specialist lenders will consider applicants with minor credit issues, CCJs, or missed payments — our brokers can help you find the right match.
Typically 2–4 weeks, depending on property valuation and legal checks. We work to ensure a fast turnaround to secure your investment quickly.
Fixed rates offer stable payments, while tracker rates fluctuate with the Bank of England Base Rate. We’ll help you choose based on your budget and risk preference.
No — you can secure a first time Buy to Let mortgage even without a rental portfolio.
Most lenders accept standard residential properties, but we can also arrange finance for HMOs, flats, and new builds depending on the lender.
Want
To
Talk?
We’ll review your scenario and outline your bridging loan options within hours.