Buy-to-let mortgages in Scotland
Specialist buy-to-let mortgage advice for landlords and property investors across Scotland, whether you are new to the market or expanding a portfolio.
Investing in Scottish property, new to the buy-to-let market or looking to expand your property portfolio? We know the ins and outs of the buy-to-let market and focus on mortgages for property investors, developers and landlords.
Every landlord's situation is different, and so are lenders' criteria. Choose the situation closest to yours to see how we can help, or book an appointment and we will talk it through.
Why a specialist
- Only property finance
- Mortgages for property investors, developers and landlords are what we do every day, not a sideline.
- Scottish property
- We work with landlords across Scotland, from a single flat in Dundee to portfolios spread across the country.
- Landlords ourselves
- Our director builds his own portfolio, so we understand rental property from both sides of the table.
Choose your situation
First-time landlords
Buying your first rental property, or letting out a home you already own.
Portfolio landlords
Growing, refinancing or reorganising a portfolio of rental properties.
Limited company buy-to-let
Buying or refinancing rental property through a limited company.
HMO mortgages
Houses in multiple occupation, let room by room.
Buy-to-let remortgage
Coming to the end of a fixed or initial rate, or releasing equity.
From first call to completion
Book an appointment
Tell us about yourself, the property and what you want to achieve. Book online at a time that suits you, or call the office.
We look at your options
We research lenders whose criteria fit your circumstances and the property, and explain any costs up front.
Our recommendation
We explain what we recommend and why, with the pros and cons, so you can make an informed decision.
Application
We prepare and submit your application, and deal with the lender, valuer and your solicitor on your behalf.
Offer and completion
We keep you updated until the mortgage offer is issued and your purchase or remortgage completes.
We stay in touch
We contact you ahead of your product end date, typically around seven months before, to review what comes next.
Buy-to-let questions
Landlord guides for Scotland
- The Additional Dwelling Supplement (ADS)What the ADS is, when it applies to buy-to-let purchases, and the current rate.
- Landlord registration in ScotlandEvery private landlord in Scotland must register before letting a property.
- The private residential tenancyThe tenancy used for most new private lets in Scotland since 1 December 2017.
How is a buy-to-let mortgage different from a residential mortgage?
A buy-to-let mortgage is for a property you will rent out. Lenders usually assess the expected rental income as well as your own finances, and their criteria for deposits and affordability differ from residential lending.
Do you only work with landlords in Dundee?
No. We are based in Dundee and work with landlords and property investors across Scotland.
Which lenders do you work with?
We work with a range of lenders, including specialist buy-to-let lenders. Which ones suit you depends on your circumstances and the property.
Some of the lenders we work with in the Scottish property market
Talk to a buy-to-let specialist
Book an appointment at a time that suits you, call the office, or ask us to call you back. We are here to help.