Personal ownership
For a first rental purchase, a further property or refinancing in your own name. We review rental cover, deposit or equity and your wider commitments.
MOVA / Buy-to-Let Mortgages
Buy-to-let mortgage advice
Mortgage advice for personal ownership, limited companies and portfolios. Start with the property, rent and borrowing you have in mind.
30-minute initial phone call · No cost · No pressure to proceed
Steven Cooper
Founder · MOVA Mortgages
- Review the property and rent
- Check the ownership and borrowing
- Prepare the lender evidence
The MOVA panel
Buy-to-let lenders on our panel
- The Mortgage Works
- BM Solutions
- Paragon
- Accord Mortgages
- Coventry
- Leeds Building Society
- Virgin Money
- NatWest
- Barclays
- Santander
- HSBC
- TSB
- Aldermore Mortgages
- Kensington
- Kent Reliance
- Landbay
- Keystone
- Fleet Mortgages
- Foundation Homeloans
- The Mortgage Lender
- Vida Home Loans
- CHL Mortgages
- Lendco
- LendInvest
- Molo
- Moda Mortgages
- MT Finance
- Quantum Mortgages
- Zephyr Homeloans
- West One
- United Trust Bank
- Hampshire Trust Bank
- Together
- Precise Mortgages
- Gatehouse Bank
Finance for landlords
The right starting point for your property plans.
MOVA reviews the property, rental income, borrowing and ownership structure before exploring lender options.
Limited-company buy-to-let
For borrowing through a company. We look at the company structure, directors, property and lender requirements, including any personal guarantee.
Portfolio landlords
For several rental properties or a wider refinancing plan. Bring an overview of property values, rents and outstanding mortgages.
An HMO, multi-unit building or mixed-use property needs an early discussion about the property and finance route.
Explore property finance →Ownership decisions can affect tax and legal obligations. Your accountant and solicitor should advise on the structure; MOVA reviews the finance.
Start with the investment, not a headline loan size.
Share the price or value, expected rent, available deposit and the type of property. Rental coverage calculations vary between lenders. A property that works on a simple monthly calculation may still fall outside a lender’s criteria. Consider void periods, maintenance and other ownership costs in your own plan.
Existing landlords: bring the whole picture.
If you already own rental properties, information about the portfolio may matter as well as the new property. Keep a schedule of values, mortgages, rents and ownership structures. Discuss refinancing and product end dates together where that helps avoid looking at one commitment in isolation.
- HMOs, multi-unit buildings and unusual tenancies can require a more specialist assessment.
- Mixed residential and commercial property should be discussed separately.
Ownership is more than a mortgage decision.
Buying personally or through a limited company can have different consequences. MOVA can discuss mortgage options, but legal and tax advice should come from an appropriately qualified professional. Do not choose a structure on the basis of an advertised mortgage rate alone.
Your questions, answered
Your questions, answered
Have a question that is specific to you?
Can a first-time landlord enquire?
Yes. Explain your plans and experience so Steven can establish which options may be relevant. Availability remains subject to lender criteria.
Is interest-only the same as paying off the mortgage?
No. Interest-only payments do not reduce the capital balance. You need an acceptable plan to repay the loan.
Are buy-to-let mortgages regulated?
Some forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority. The position depends on the arrangement and circumstances.
A practical next step
Discuss your buy-to-let plans.
Tell Steven about the property, expected rental income and your plans as a landlord. Get separate tax or legal advice where your ownership decisions need it.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The amount will depend on your circumstances and will be explained and agreed before you choose to proceed. Some forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority.
