Buy-To-Let & Portfolio Landlord Mortgages
Expert Mortgage Solutions for Property Investors
Whether you’re purchasing your first investment property or managing an established portfolio, Glass Ocean is here to support your buy-to-let journey. Based in Dulwich, London, we help landlords across the UK secure competitive mortgage deals that maximise returns and simplify portfolio growth.
What is a Buy-to-Let Mortgage?
A buy-to-let (BTL) mortgage is designed specifically for individuals who want to purchase property to rent it out rather than live in it. These mortgages have different eligibility criteria and are assessed largely on expected rental income, not just your personal salary.
We’ll help you understand the rules, costs, and tax considerations—ensuring you make the most informed decision for your investment.
What We Offer Landlords
First-Time Buy-To-Let Mortgages
New to the rental market? We’ll guide you through your first investment with clarity, ensuring your mortgage is affordable and suitable for long-term success.
Portfolio Landlord Mortgages
Own four or more rental properties? We can help you:
Refinance existing properties
Consolidate or restructure your portfolio
Purchase additional investment properties
Access specialist lenders who cater to professional landlords
Limited Company Buy-To-Let
Looking to invest through a limited company (SPV)? We’ll advise on tax efficiency, eligibility, and help you secure tailored mortgage products for company-owned property investments.
Key Considerations for Buy-to-Let Mortgages
- Minimum deposit requirements (typically 20–25%)
- Rental income must meet minimum coverage (usually 125–145% of mortgage payments)
- Landlord insurance may be required
- Tax implications and allowable expenses
- Higher interest rates and arrangement fees than residential mortgages
At Glass Ocean, we’ll help you understand every detail and select a mortgage that fits your goals.
- Based in Dulwich, London
- Call Us Today
- Get a Free Quote
