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Mortgage Options for Surrey Landlords
Surrey’s proximity to London, strong commuter demand, and excellent local amenities make it one of the most desirable rental markets in the South East. Our mortgage advisers understand the local dynamics that affect lending criteria and rental yield, helping you make informed, confident decisions.
A fixed-rate mortgage provides repayment stability for a set period, helping you plan your rental income and outgoings with confidence.
These mortgages offer flexibility, as rates can move in line with market trends. They may provide savings if rates fall, but your payments could increase if they rise.
An interest-only structure is popular among Surrey landlords who want to keep monthly costs lower while focusing on capital growth. The balance is typically repaid upon sale or refinancing of the property.
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Buy-to-Let FAQs in Surrey
Guildford, Woking, and Epsom attract professional tenants due to excellent transport links into London. Families often look to towns like Reigate and Godalming for schools and community feel. We can help assess yield potential across these areas.
Most lenders require a deposit of at least 25 percent. However, a larger deposit often helps access better interest rates, especially for higher-value properties.
Yes. Many landlords now use limited companies for buy-to-let purchases to manage tax efficiently. We’ll connect you with lenders who cater to company structures and explain how it affects affordability assessments.
Surrey typically offers moderate yields but strong capital growth. While returns may be slightly lower than northern regions, property values and tenant stability make it a long-term, reliable investment.
Yes, many investors release equity from their main residence to fund their buy-to-let purchase. We’ll help you explore how much you could borrow and what implications it may have on your current mortgage.