Buying to Let? Let’s Get It Right From Day One
From first-time landlords to seasoned investors, we help you finance property with speed, clarity, and real personal support.
Whether you’re building long-term income, planning for your future, or buying your first investment property, we’re here to help you do it with confidence.
At Pillar, we don’t just help you find a buy to let mortgage , we help you understand the numbers, choose the right structure, and move quickly when the opportunity is right. You’ll work with one advisor, from the first call to the keys in hand. No jargon. No delays. Just support that moves with your goals.
What is a Buy to Let Mortgage:
A buy to let mortgage is designed for people buying property to rent out as an investment. Whether you’re doing it for the first time or adding to a portfolio, it’s about matching the right finance to your investment plans.
The process can feel complex. We’re here to make it simple.
Who We Help
First-Time Landlords
Not sure where to start? We’ll walk you through every step from lender criteria to rental income stress tests and help you secure your first investment with clarity and control.
Portfolio Landlords
Have two or more properties? We’ll help you refinance, release equity, and manage product transfers across your portfolio with one clear plan.
Limited Company Investors
Thinking about buying through a limited company? We’ll explain the tax benefits, lender differences, and how to set things up correctly.
Holiday Let Buyers
Looking at short-term lets or Airbnb? We understand the specialist lenders and affordability rules that apply — and we’ll help you move fast.
What We Can Help You With
- Understanding how much you can borrow
- Estimating your monthly payments
- Securing a Decision in Principle (DIP)
- Comparing the best deals across the market
- Explaining rates, terms, and fees in plain English
- Managing your application from start to finish
- Liaising with estate agents, lenders, and solicitors
- Staying by your side through to completion and beyond
Your Journey With Pillar
Tell us your plan
Know what’s possible
Choose your structure
Find the right deal
Submit your application
Get your offer
Complete and move forward
How much deposit do I need?
Yes, most lenders require 20 to 25 percent, but we’ll help you explore what’s available and what suits your goals.
What’s a Decision in Principle (DIP)?
Yes, but it’s more specialist. We’ll guide you to the right lenders and help you prepare.
Can I get a mortgage if I’m self-employed?
It depends on your tax position and long-term goals. We’ll explain the pros and cons clearly so you can make the right call.
How do lenders assess what I can borrow?
Buy to let lending is based on expected rental income, not just salary. We calculate your numbers before you apply.
What’s the difference between fixed and tracker mortgages?
Yes, and it’s often a smart move. We’ll help you remortgage or release equity when the time is right.
FAQs About Buy to Let
Ready to Finance Your Next Move?
Let’s talk about where you’re headed — and how we can help you get there with confidence.