1. Lets have a chat
We’ll discuss your investment plans, property goals and answer any questions you have.
Buy to Let
Grow your property portfolio with confidence.
Whether you’re buying your first investment property, remortgaging an existing rental or expanding your portfolio, we’ll help you find the right Buy to Let mortgage with clear, honest advice.
Is this the right place for me?
Whether you’re taking your first step into property investment or growing an established portfolio, Buy to Let mortgages come with their own set of rules and considerations.
Rental calculations, lender criteria, ownership structures and tax implications can all affect your options. We’ll help you understand what’s involved, explain everything clearly and guide you through the process from start to finish.
This page is for you if…
- You’re buying your first Buy to Let property.
- You’re adding another property to your portfolio.
- You’re purchasing through a Limited Company or SPV.
- You’re remortgaging an existing Buy to Let.
- You’re releasing equity to fund another investment.
How we help
What does the process look like?
2. Review your current mortgage
We’ll assess your circumstances and recommend the most suitable lenders and mortgage options.
3. Find the right mortgage
Once you’ve chosen the right option, we’ll manage the application and liaise with everyone involved.
4. We manage your application
We’ll stay on top of the process, keeping you updated until everything is ready to complete.
5. Build your portfolio
With your mortgage in place, you’ll be ready to take the next step in your property journey.
Why Choose Erskine Financial?
Clear advice, real conversations and support that stays with you from first question to final decision.
- 01Local People.Based in Edinburgh, helping buyers all across Scotland (and beyond!).
- 02No Jargon.We explain things properly, not in mortgage adviser language.
- 03Whole of Market Advice.Access to hundreds of mortgage products from a wide range of lenders.
- 04Start-to-Finish Support.From your first viewing until you collect the keys, we’re with you all the way.
- 05Hundreds of 5-Star Reviews.Real clients. Real experiences. Real results.
Common Questions
Find answers to common questions.
Can I buy through a Limited Company?
Yes. Many lenders offer Buy to Let mortgages to Special Purpose Vehicle limited companies. The tax and legal implications differ from buying personally, so mortgage advice should be considered alongside advice from your accountant or tax adviser.
How much deposit do I need?
The deposit required depends on the property, mortgage type and lender. Some residential mortgages may be available with a 5% deposit, while Buy to Let and specialist lending usually require more. We’ll explain the options available for your circumstances.
How much rental income do I need?
Buy to Let lenders usually require the expected rent to cover the mortgage payment by a set margin at a stressed interest rate. The calculation varies by lender, tax position and product, so we’ll check it against the property you plan to buy.
Can I remortgage my Buy to Let?
Yes. You may remortgage to secure a new rate, raise funds or move to a lender that better suits your plans, subject to equity, rental coverage and affordability criteria. We’ll also check for early repayment charges.
Can I buy my first property as a Buy to Let?
Some lenders consider first-time buyers and first-time landlords for Buy to Let mortgages, although the choice can be narrower and additional criteria may apply. We’ll assess your circumstances and explain the suitable routes.
Can I buy multiple properties?
Yes. Lenders can support landlords building a portfolio, but they may assess the performance and borrowing across all properties as well as the new purchase. We’ll help structure the applications around your longer-term plans.
Should I port my mortgage?
Porting can be worthwhile if your current rate is competitive or an early repayment charge applies, but it still requires a new application and may not cover all the borrowing you need. We’ll compare the overall cost with alternative mortgages.
Ready to grow your property portfolio?
Whether you’re buying your first Buy to Let or adding another property to your portfolio, we’ll help you find the right mortgage and guide you through the process with clear, straightforward advice. Book your free chat today.
