First-Time Landlords

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Helping first-time landlords springboard into buy to let

If you are a first-time landlord looking to purchase a buy to let property, then our whole of market Mortgage Advisers will ensure you secure the most cost-effective deal. Not all lenders offer buy to let mortgages to first-time landlords because they have no previous experience in this field. Our experienced team can provide you with invaluable guidance on the best lenders and products available to you, in addition to guiding you through the application process and stamp duty costs.

As you may already be aware, applying for a buy to let mortgage is not as straightforward as a standard residential mortgage. Lenders need to ensure that the property will provide good rental coverage and the location will be attractive to potential tenants. Other factors can also reduce the number of lenders available to you. For example, if you have had some historic adverse, the property is ex-local authority or you do not have an existing mortgage on a residential property. Don’t worry though, there are still plenty of opportunities for you to secure funds – if you know where to look.

Ingard’s team of qualified Mortgage and Protection Advisers will search every lender across the mortgage market for you and advise you on the best product to suit your needs. To ensure your property is fully protected, we can also advise you on which type of insurance you will need.

Here are a few reasons why you should contact us:

  • You are purchasing a buy to let property – including ex local authority properties and high-rise flats
  • You have current or historic adverse
  • You are self-employed
  • You do not have currently have a residential mortgage
  • You intend to rent the property to a close family member

Find Out How Much You Could Borrow

We’ve designed our mortgage calculators to provide you with an idea of the amount you could borrow and how much it will cost you each month.

To get an accurate quote; based on your income, expenditure and any commitments, we recommend that you speak to our Mortgage and Protection Advisers


You could borrow up to

Find Out How Much Stamp Duty
You Will Pay

Use our stamp duty calculator to work out how much stamp duty is payable when purchasing a residential property or an additional property.


The Latest Best Buys

Our best buy tables allow you to compare thousands of products to give you an indication of the types of mortgages available to you. Please be aware that the information is computer generated and relies on certain assumptions, like your credit commitments and monthly expenditure.

When you’re ready for an accurate quote that is personalised to your individual requirements, call our Mortgage and Protection Advisers on 01702 538 800 for a free no obligation quote.

Why Use Ingard?

Search and compare every leader in the mortgage marketplace

We compare every lender in the marketplace, which means we can access lenders who only deal directly with qualified advisers.

Speak to a qualified mortgage advisor

Our qualified advisers are salaried, so you can be sure that you are receiving the best impartial advice.

We promise you'll have one advisor start to finish

We promise that you won’t be passed from pillar to post. One of our qualified advisers will deal with your application from start to finish.

Free initial consultation

Your initial consultation is completely free. We will only charge you a fee if you decide to proceed with your application.