Buy-to-Let Mortgages: Build Your Property Portfolio with Confidence.

Whether you're a first-time landlord or growing your portfolio, access over 100 lenders, including specialist buy-to-let providers, with expert advice tailored to your goals.

Book a Free Consultation 0191 205 8547

5.0 from 100+ Google Reviews

Your property may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.

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Whole of Market Access*

Including specialist adverse credit providers

Understanding Buy-to-Let Mortgages

A buy-to-let mortgage is designed for people who want to purchase a property to rent out rather than live in. They work differently to residential mortgages — lenders assess the expected rental income alongside your personal finances to determine how much you can borrow. As a trusted mortgage broker with access to over 100 lenders, we find the right buy-to-let deal for your investment goals.

Rental Yield & Deposit Assessment

Buy-to-let mortgages require a minimum 25% deposit, mostly interest-only to keep payments lower. We check rental income meets lender requirements before any application.

Portfolio Strategy

Whether property one or ten, we match the right lender to your goals. With our KB Property Life-Time Guarantee†, all future like-for-like remortgages on your investment property are arranged free.

Why Choose KB Mortgage Solutions

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Whole-of-market access including specialist adverse credit providers not found on comparison sites
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FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
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£295 fixed fee — payable on application — never upfront
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Property Membership Guarantee — all future like-for-like remortgages arranged free
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Speak directly to Karl — one dedicated adviser, not a call centre
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No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
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UK-wide service by phone and online — no need to travel

Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.

Lending Panel

Access to Whole of Market

We search every major UK lender plus specialist providers to find you the very best deal for your exact circumstances — including rates unavailable on the high street.

*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.

Includes major banks, building societies & specialist providers

Buy-to-Let Situations We Cover

What Type of Landlord Are You?

Every buy-to-let case is different. We assess your investment goals, income, and existing commitments to recommend the right lender and product.

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First-Time Landlord

Many lenders require you to already own a residential property, but not all. We identify the right lenders for first-time landlords and guide you through from application to completion.

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Portfolio Landlord

If you own four or more mortgaged rental properties, stricter underwriting applies. We manage the additional documentation and find competitive portfolio rates from specialist lenders.

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HMO & Multi-Unit

HMOs and multi-unit blocks require specialist lenders who understand shared tenancy arrangements. We know which lenders accept your property type and offer competitive rates.

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Limited Company Buy-to-Let

Many landlords now purchase through a limited company for tax efficiency. We have access to lenders offering SPV mortgages, including competitive rates for new and established companies.

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Let-to-Buy

Want to keep your current home as a rental and buy a new one? We co-ordinate both applications — switching your residential mortgage to buy-to-let and arranging a new residential mortgage.

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Buy-to-Let with Adverse Credit

A poor credit history does not automatically disqualify you. Specialist lenders assess each case individually, considering rental income, deposit size, and the age of any credit issues.

Your property may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Making the Right Decision

Is Now the Right Time to Invest?

Timing a buy-to-let purchase correctly can make a real difference to your returns. The decision depends on your specific circumstances.

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Rental demand across the UK remains strong — we assess whether the numbers work for your target area
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Interest rates fluctuate — locking in a competitive rate now can protect your margins
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Our Life-Time Guarantee (subject to terms) means we remortgage your investment property free when rates change
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Tax rules for landlords have changed — we explain how mortgage structure impacts your tax position

The best way to find out where you stand is a free, no-obligation consultation — no hard credit check (a hard search is required at full mortgage application, as standard), no pressure.

Book Your Free Consultation

Your property may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Residential vs Buy-to-Let Mortgage

A clear side-by-side comparison

Feature	Residential Mortgage	Buy-to-Let Mortgage
Min. Deposit	5–10% typically	25% typically
Income Assessed	Your salary/earnings	Rental income + personal income
Repayment Type	Repayment (capital + interest)	Typically interest-only
Interest Rate	Standard residential rates	Slightly higher
Lender Type	High street banks	High street + specialist BTL
Future Remortgage	Standard fees apply	Free via KB Guarantee†

KB Mortgage Solutions Life-Time Guarantee† is subject to terms and conditions. Available on like-for-like remortgages on the same property. Ask KB Mortgage Solutions for full details.

Karl Burns — Founder & Principal Mortgage Adviser

Meet Your Adviser

Karl Burns — Specialist Mortgage Adviser

Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.

FCA Authorised (#783508)

1,000+ Mortgages Arranged

"Every failed mortgage application leaves a footprint on your credit file. That's why matching you with the right lender, first time, is so important — it protects your credit while giving you the best possible chance of approval."

Client Reviews

Over 100 Five-Star Google Reviews

Most of Karl's clients come from recommendations — a testament to the service he provides.

Wendy G

4 months ago

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★★★★★

We were recommended Karl by a friend and we're so glad we took their advice! From start to finish he was incredibly efficient and supportive. He made buying our first home so much easier.

Lauren Potts

5 months ago

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★★★★★

Karl has provided an excellent service! First time buyer and not knowing much, he gave me great support and advice. Karl communicated every step of the way. Highly recommend!

James M

3 months ago

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★★★★★

After being declined by two high-street banks due to a CCJ, Karl found a specialist lender within 48 hours. Professional, knowledgeable and genuinely cares. Cannot recommend highly enough.

Sarah T

6 months ago

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★★★★★

Brilliant from start to finish. We had a complex IVA situation and Karl was upfront and honest. Found us a solution that worked. The £295 fee was absolutely worth it. We're in our dream home.

David R

2 months ago

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★★★★★

Karl sorted our remortgage faster than I thought possible. Clear no-nonsense advice and the membership guarantee gives real peace of mind. Will use KB Mortgage Solutions again without hesitation.

Tom B

1 month ago

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★★★★★

Had defaults from a few years ago and thought we'd never get a mortgage. Karl found us a great deal with a specialist lender. Whole process was smooth and stress-free. Thank you!

Wendy G

4 months ago

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★★★★★

We were recommended Karl by a friend and we're so glad we took their advice! From start to finish he was incredibly efficient and supportive. He made buying our first home so much easier.

Lauren Potts

5 months ago

🔵

★★★★★

Karl has provided an excellent service! First time buyer and not knowing much, he gave me great support and advice. Karl communicated every step of the way. Highly recommend!

James M

3 months ago

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★★★★★

After being declined by two high-street banks due to a CCJ, Karl found a specialist lender within 48 hours. Professional, knowledgeable and genuinely cares. Cannot recommend highly enough.

Sarah T

6 months ago

🔵

★★★★★

Brilliant from start to finish. We had a complex IVA situation and Karl was upfront and honest. Found us a solution that worked. The £295 fee was absolutely worth it. We're in our dream home.

David R

2 months ago

🔵

★★★★★

Karl sorted our remortgage faster than I thought possible. Clear no-nonsense advice and the membership guarantee gives real peace of mind. Will use KB Mortgage Solutions again without hesitation.

Tom B

1 month ago

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★★★★★

Had defaults from a few years ago and thought we'd never get a mortgage. Karl found us a great deal with a specialist lender. Whole process was smooth and stress-free. Thank you!

Common Questions

Your Questions Answered

Got questions? Karl can answer them. If you need more detail, he is just a phone call away.

Do I need to be an existing homeowner to get a buy-to-let mortgage?

Not necessarily. While many lenders require you to own a residential property, some specialist lenders consider first-time buyer landlords. We identify which lenders will work with your circumstances.

Should I buy through a limited company?

This depends on your tax situation, number of properties, and long-term plans. Purchasing through a Special Purpose Vehicle (SPV) can offer tax advantages for higher-rate taxpayers, but it's not the right choice for everyone. We explain the mortgage implications so you can discuss the tax position with your accountant.

What is the standard deposit needed for a Buy to Let mortgage?

The standard minimum is 25% of the property value. However, investors who can put down 40% or more are often eligible for the best available interest rates across the UK market.

How has the tax relief change affected Buy to Let mortgages?

Landlords can no longer offset all mortgage interest against rental income before tax. Instead, you receive a flat 20% tax credit. We guide both individual and limited company landlords through the financial impact of these rules. For further information around this, please seek independent tax advice.

Can I get a buy-to-let mortgage on a property I already live in?

Yes, this is called a let-to-buy arrangement. Your existing residential mortgage switches to a buy-to-let mortgage and you take out a new residential mortgage on your next home. Not all lenders offer this, but we have access to those that do and can co-ordinate both applications together.

Services

Explore More Mortgage Services

Whatever your situation, Karl can help you find the right mortgage solution.

Bad Credit Mortgage

Bad credit does not mean no mortgage. We search 100+ lenders including specialist adverse credit providers for CCJs, defaults, IVAs and more.

Learn More

Remortgage Advice

Don't let your current deal expire onto an expensive standard variable rate. Access over 100 lenders - including exclusive broker-only rates - with expert guidance tailored to your circumstances.

Learn More

First-Time Buyer

Need your first mortgage? Get expert guidance, compare the best first-time buyer mortgage rates, and unlock low-deposit schemes. Start your application.

Learn More

Mortgage Advice & Planning

Get expert mortgage advice services & planning from KB Mortgage Solutions. We guide you through every stage of your mortgage journey.

Learn More

Mortgage Protection Insurance

Protect your home and family with mortgage protection insurance. I offer trusted advice to help you choose the right coverage for your future. Book a call now!

Learn More

No Deposit Mortgages

Can you get a no deposit mortgage? We specialise in 100% LTV products, including guarantor and family schemes. Get expert advice to buy your first home.

Learn More

Self Employed Mortgages

Get the self employed mortgages you need. We specialise in complex income, Limited Company, and 1 year accounts for sole traders across the UK. Enquire today.

Learn More

Life Insurance & Protection

Specialist protection advice tailored to your circumstances. Life insurance, critical illness cover and income protection from a carefully selected panel of leading UK insurers.

Learn More

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Your property may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.

Free · No Credit Check · No Obligation

Get in Touch — It's Free

A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.

✓
No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
✓
Speak directly to Karl — not a call centre
✓
£295 fixed fee — payable on application — never upfront
✓
UK-wide service by phone and online

FCA Authorised & Regulated — Firm Reference Number 783508

Understanding Buy-to-Let Mortgages

Rental Yield & Deposit Assessment

Portfolio Strategy

Why Choose KB Mortgage Solutions

Access to Whole of Market

What Type of Landlord Are You?

First-Time Landlord

Portfolio Landlord

HMO & Multi-Unit

Limited Company Buy-to-Let

Let-to-Buy

Buy-to-Let with Adverse Credit

Is Now the Right Time to Invest?

Residential vs Buy-to-Let Mortgage

Karl Burns — Specialist Mortgage Adviser

Over 100 Five-Star Google Reviews

Your Questions Answered

Explore More Mortgage Services

Bad Credit Mortgage

Remortgage Advice

First-Time Buyer

Mortgage Advice & Planning

Mortgage Protection Insurance

No Deposit Mortgages

Self Employed Mortgages

Life Insurance & Protection

Get in Touch — It's Free

Book Your Free Consultation

Ready to Find Your Best Mortgage Deal?