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Mortgage Options for Essex Landlords
With strong commuter links, thriving towns, and a growing tenant market, Essex offers plenty of opportunities for landlords. From Chelmsford and Colchester to Southend-on-Sea and Brentwood, our advisers understand how local rental demand and property prices vary across the region. We’ll guide you through the process of comparing deals, understanding lender criteria, and choosing the mortgage structure that best fits your financial plans.
A fixed-rate mortgage locks in your repayments for a set term, giving you certainty and stability, ideal if you’re budgeting around expected rental income.
A variable-rate deal allows for flexibility, with payments that can go up or down depending on interest rate movements. This can be beneficial in a falling-rate environment.
Interest-only mortgages are popular with landlords in Essex because they help maintain monthly cash flow and maximise profits. The balance is typically repaid when the property is sold or refinanced.
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Buy-to-Let FAQ's in Essex
Rental yields vary by area. Colchester and Southend-on-Sea often deliver strong returns due to their student and commuter demand, while Brentwood and Chelmsford attract professionals looking for long-term rentals. We can help you evaluate yield potential before you buy.
Yes, although some lenders set stricter criteria for new-builds. This may include a higher deposit or limitations on property type. We’ll help you identify lenders that are open to new-build investments.
Most lenders require at least 25 percent of the property’s value, though a higher deposit may unlock more competitive rates. Your deposit requirements may vary depending on the property type and expected rental yield.
Yes. Many Essex landlords now purchase investment properties via limited companies for tax efficiency. We’ll explain how this structure works and find lenders who cater to company-owned buy-to-lets.
No, you can purchase an investment property in Essex even if you live elsewhere in the UK. Lenders are mainly concerned with the property’s rental potential and your financial circumstances.