Whether you’re growing a portfolio or just getting started, you need a buy-to-let mortgage broker who is fast, proactive, and knows their stuff. That’s exactly what we deliver: finding the most competitive rates and making the whole process quick and easy.
We’re officially the number one mortgage advisor in the South West for customer service, as well as the second best in the entire UK! So, you know you’ll be getting fast, proactive and professional service.
We will monitor all of your mortgages 24/7, every single week of the year and alert you the second a better deal that will save you money (taking ERCs into account) becomes available.
Through our partnerships with wealth management and specialist finance firms, you’ll gain access to a full financial ecosystem designed to support your portfolio and grow your personal wealth.
Because we always have your best interests at heart, you need to know that your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
What sets the ESTAS apart from other industry accolades is straightforward: the winners aren’t chosen by a panel of judges, they’re chosen by customers. Every review on the platform is rigorously verified after the buying process is complete, so the results truly speak for themselves. This year alone, over 15 million reviews were submitted.
That’s why we’re proud to share that we were officially named the South West’s Best Mortgage Advisor Office for Customer Service, and ranked second in the entire UK. It’s a recognition that reflects what we strive for every single day: going above and beyond for every single client we work with.
Absolutely amazing service from start to finish. They replied to every message so quickly and made the whole experience feel really personal. I originally found the whole process of getting a mortgage intimidating, but they made everything so easy to understand. Right up to the day of the sale, we received weekly email updates, which was incredibly reassuring. Truly outstanding service.
Adele Sanford
Louis goes above and beyond. He’s polite, patient and explain things clearly and concise. He provides reassurance, especially when you’re new to the process. He’s flexible and has worked around family to support meetings at times that suit us. Louis has helped us more than anyone else in our moving house journey and I could not recommend him enough! Thank you so much for all your support.
Molli Jones
I recently had the pleasure of working with Janek on the purchase of my first home. As a first-time buyer stepping into the unknown, I had many questions and Janek answered every single one clearly and patiently. Janek was incredibly supportive throughout the process, always willing to work around my busy schedule and never once making me feel rushed. He made the whole experience far less stressful than I expected.
Jack Tucker
I would highly highly recommend The Levels and will be recommending to anyone I know in the future! I feel so thankful and lucky that Nikki was my mortgage advisor, I couldn’t have asked for anyone more better! Nikki provided me with a lot of support and always kept me updated all the way through my application. Nikki was extremely patient with me and made sure I was financially stable before I agreed to anything.
Yasmin Knott
The levels were professional, responsive and I trusted them completely to guide me to make the best decision for myself. I will highly recommend them to anyone looking for help with a mortgage. I cannot praise Luke enough, he was friendly, excellent at communicating and made me feel at ease throughout the whole experience. Luke was always at the end of the phone and the Teams calls we had felt relaxed, productive and informative.
Kate New
We’ll monitor all your buy-to-let mortgages around the clock, so whenever a better rate appears, you’ll be the first to know and be able to switch across straight away to maximise your portfolio’s profit margin. We’ll of course weigh up any early repayment charges to ensure that every recommendation we make is genuinely worth acting on.
This isn’t an add-on or something we charge extra for. It’s completely free, all you have to do is let us know you’d like to go ahead, and we’ll take care of everything for you.
Best of all, even if you didn’t arrange your mortgage through us, we’ll still monitor it for you 24/7.
We know that being a landlord or property investor comes with a unique set of financial demands. That’s why our directors have built an entire ecosystem to support your growth and ensure every question you could possibly have can be answered by an expert.
Through our business partners TLF Wealth Management and TLF Specialist Finance, you’ll have access to comprehensive support across a wide range of areas, from alternative investments and estate planning to bridging and commercial finance, and so much more.
We regularly hold joint appointments with their advisers, and if we feel it would be beneficial, we’ll be happy to arrange one for you.
We regularly bring together landlords and property investors at our Somerset networking events. Over complimentary food and drinks, you’ll meet people who share your ambitions, swap ideas, and hear directly from a wide range of industry experts in our Q&A sessions. Whether you’re just starting out or scaling up, there’s always something valuable to take away.
Book your free, no obligation consultation with one of our specialist buy to let mortgage brokers to discuss how we can support you. We know life gets busy so as well as standard working hours, we’re also available for evening and weekend appointments.
In the UK, rental income is taxable and must be declared as part of your overall earnings. You’ll pay Income Tax on your net rental income (total earnings minus any allowable expenses, such as mortgage interest and property maintenance costs. The rate you pay depends on your overall income bracket.
To qualify for a buy to let mortgage, lenders will assess your eligibility based on the property’s potential rental income, your financial stability, and your experience as a landlord. Most lenders require you to already own your own home, have a separate income of £25k unrelated to letting, and put down a 25% deposit.
This depends on your individual circumstances, and whether you currently have a mortgage to pay on your existing buy to let property.
Start by assessing your budget, ensuring you have sufficient funds for deposits and ongoing expenses across multiple properties. Researching different locations and property types can also help diversify your investments. Working with a buy to let mortgage broker is recommended, as lenders often have varying criteria for multiple purchases
The number of buy to let mortgages you can hold largely depends on your financial situation and your lender’s individual policies. Most lenders allow multiple mortgages but assess each application on its own merits, considering factors such as income, credit history, and potential rental income. Experienced investors with strong financial profiles can often secure several mortgages, though lenders may cap the total loan value or number they’re willing to offer one borrower
Still have questions?
Reach out to us anytime for assistance.
