Every landlord realises the need to protect their outgoings on a Buy-to-Let property. To do this, it is imperative the most competitive mortgage deal is found to suit their circumstances. You may be thinking about buying your first BTL property or you may already be on the BTL property ladder. Whatever your circumstances, you need to know that you are getting the best product to suit your requirements. Being a truly independent mortgage broker allows us at Certus to search the ‘whole market’ of lenders as opposed to many brokers who are tied to a limited panel.

Many BTL mortgages are based on rental income, so little proof of your own income is required. Owner income mortgages are also available so finding the best solution can prove confusing. Allow us to take these factors and apply these to the whole market of lenders and we will find the most competitive deals available.

BTL mortgages are currently unregulated by the FSA and therefore brokers do not themselves need to be qualified in giving advice. Here at Certus we still feel it is important to give best advice and will treat BTL mortgages in much the same way as regulated mortgages making sure we follow the principles applied to regulated lending.

As a company which is jointly owned by 2 leading firms of accountants we are well placed to ensure that our clients receive the most tax effective solutions in terms of the mortgage products available to them. This can so often be provided at little or no additional cost to our clients. This is an essential part of the BTL mortgage market, and one which we feel distinguishes us from so many of our competitors.