Buy-to-let is a popular investment for those looking for an alternative to savings, investments or pensions. Many investors rely on property to supplement their income in retirement, alongside a traditional pension. Access to quality mortgage advice is crucial.

If you are buying a property to let out, you can’t use a standard residential mortgage you will need a buy-to-let mortgage, which is very different. With buy-to-let, it is also the rental income of the property which dictates the size of the mortgage rather than your income.

Most lenders and some specialist providers offer buy-to-let mortgages. There is a lot of choice available and sometimes it can feel overwhelming – how do you make sure you’ve chosen the best deal if you haven’t sifted through all of those available? This is where SPF comes in, scanning the whole of the market on your behalf, so you can rest assured we will find you the most suitable and cost-effective mortgage.

If you fail to keep up with payments on your mortgage a ‘receiver of rent’ may be appointed and/or your rental property may be repossessed.

We may charge a fee for the advice we provide; this fee will be dependent upon your personal circumstances and will be agreed with you after we have fully understood your requirements. Any fee is usually payable upon successful completion of your mortgage.