Buy-to-Let Mortgage Advice for Landlords, Property Investors and Developers
Expert Support for First-Time and Portfolio Property Investors
Whether you’re purchasing your first rental property or growing an established portfolio, SWS Financial is here to make your buy-to-let mortgage journey straightforward and profitable. With access to hundreds of lenders and a deep understanding of the property investing market, we’ll help you secure the right deal for your goals.
Access to 100+ lenders for the most suitable rates
No upfront consultation fees
Specialist Buy-to-Let Knowledge
Trusted by Landlords – Backed by Experience
Why Choose SWS Financial?
Securing the right buy-to-let mortgage isn’t just about rates , it’s about working with someone who understands the property investment journey firsthand. At SWS Financial, you’re not just getting expert advice, you’re working with a team led by a landlord who’s been through it all themselves.
We don’t just compare deals, we simplify the entire process, handle the paperwork, and provide clear, honest support from your first enquiry to completion. It’s mortgage advice, from someone who truly gets it.
Personalised Mortgage Advice
We take the time to understand your needs and match you with the right mortgage from over 100 lenders.
End-to-End Support
Unlike many brokers, we don’t stop at mortgage advice. We assist with estate agents, solicitors, and surveyors to keep things moving.
Appointments That Fit Your Schedule
We’re open 7 days a week, offering evening and weekend appointments so you never feel rushed.
Specialist in Buy-to-Let Mortgages
Struggling to get approved as a landlord or property investor? We specialise in finding tailored buy-to-let solutions, even for complex portfolios or limited company setups.
No Upfront Fees
Our initial consultation is completely free, with no obligation. You only pay if we successfully arrange your mortgage.
Clear, Jargon-Free Guidance
Mortgages can be confusing, but we break everything down in simple, easy-to-understand terms.
Our Mortgage Solutions
Tailored Mortgage Options for Landlords at Every Stage
Whether you’re purchasing your first rental property or refinancing a growing portfolio, SWS Financial has the expertise to support your investment journey. With access to 100+ specialist lenders, we’ll find a buy-to-let mortgage that suits your goals, structure, and budget. Not sure where to start? Let’s explore your options together.
First-Time Buy-to-Let Purchases
Looking to invest in your first rental property? We’ll guide you through every step.
Portfolio Landlord Mortgages
Need help refinancing or expanding your portfolio? We’ll help structure your lending to work smarter for you.
Limited Company Buy-to-Let
Considering investing through a company? We’ll help you understand the benefits, risks, and requirements.
HMO & Specialist Property Types
We can secure lending for HMOs, multi-units, student lets, and more — even if you’ve been told ‘no’ elsewhere.
Buy-to-Let Remortgages
Switch to a better deal or release equity for future investments — with minimal hassle.
New Build Mortgages
Buying a brand-new home? We’ll help you navigate developer incentives and lender requirements to get the most suitable deal.
A Hassle-Free Buy-to-Let Mortgage Process
Getting a mortgage doesn’t have to be complicated. At SWS Financial, we make it easy with a smooth, step-by-step process:
Step 1: Tell Us About Your Property Plans
Fill out our form or give us a call. We’ll discuss your goals, whether it’s your first rental or your next portfolio addition.
Step 2: We Find the Most Suitable Buy-to-Let Deal
We compare products from 100+ lenders to find one that matches your investment strategy and structure.
Step 3: Clear, Jargon-Free Advice
We explain your options in plain English and guide you through every step with confidence.
Step 4: Stress-Free Application & Coordination
We handle the paperwork and work directly with solicitors, surveyors, and agents to keep things moving.
Step 5: Mortgage Secured, Property Ready
Once approved, you’re set to complete your purchase or remortgage and start earning rental income.
Client Testimonials
Real Stories, Real Results
We take pride in providing 5-star service to every client. Here’s what some of our happy homeowners & landlords say about working with us.
FAQ
Got Questions? We’ve Got Answers.
Buy-To-Let Mortgages can be confusing, but we’re here to make the process simple. Here are answers to some of the most common questions our clients ask.
How much deposit do I need for a buy-to-let mortgage?
Most buy-to-let lenders require a minimum deposit of 20–25%, though a larger deposit may unlock better interest rates. We’ll help you explore all your options.
Do I really need a mortgage broker for buy-to-let?
Absolutely, especially with buy-to-let. Many of the most competitive deals aren’t available directly to borrowers, and the criteria can vary widely between lenders. We help you avoid costly mistakes and save time.
Can I get a buy-to-let mortgage if I’m self-employed?
Yes. In fact, many landlords are self-employed or operate through limited companies. We know how to package your application properly, even with complex income.
Should I choose interest-only or repayment for buy-to-let?
Many landlords choose interest-only to maximise cash flow, while some prefer repayment for long-term equity. We’ll explain the pros and cons based on your goals.
How long does a buy-to-let mortgage take to complete?
It typically takes 3–6 weeks, but timescales can vary. We keep the process moving and handle all the back-and-forth with solicitors and lenders.
What if my application is declined?
We work with over 100 lenders, including those open to complex or specialist cases. If one says no, we’ll find an alternative route forward — and support you the whole way.
SWS Financial provides expert, tailored mortgage advice across Surrey, Berkshire, Hampshire, and West London—helping you secure the right mortgage with confidence.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
SWS Financial Services, 1st Floor, Healthaid House, Marlborough Hill, Harrow, Middlesex, England, HA1 1UD.
SWS Financial Services Ltd is an Appointed Representative of Andrew Nolan Mortgage Ltd., authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference 976427. Andrew Nolan Mortgages LTD, Parkhill Business Centre, Walton Road, Wetherby, West Yorkshire, LS22 5DZ (FCA 918720).
Registered in England company number 12490992.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
There may be a fee for arranging a mortgage. The precise amount will depend upon your circumstances, typically between £299 – £999. In some instances there may be no fee charged. This will be confirmed in the initial meeting.