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Buy-to-Let Mortgages
PERSONALISED PROPERTY FINANCE ADVICE FOR INVESTORS AND BUSINESSES.
Whether you are building a buy-to-let portfolio, funding a commercial purchase, or arranging short-term finance, we provide clear, tailored advice to support your objectives. We specialise in buy-to-let, bridging, and commercial finance, working with specialist lenders to structure solutions that fit your circumstances.
Ready to take the next step? Call us now or fill out the form and one of our advisers will be in touch shortly.
Rockmere Finance Ltd is an Appointed Representative of Connect IFA Limited (441505), which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 1041078
Buy-to-Let Mortgages That Work for You
Whether you're buying your first rental or building a property portfolio, we’ll help you get the right mortgage, structure it properly and make sure your investment performs long term.
Buy to let lending comes with extra rules and requirements. You’ll need to consider rental calculations, lender stress tests and whether to buy in your own name or through a limited company. We’ll guide you through it clearly and simply.
How We Help Landlords
We work with landlords at every stage , from first time investors to full time property professionals, giving you clear advice, access to a wide range of lenders and support from application to completion.
✅ Mortgages in your personal name or through a company
We help you understand how different lenders approach personal and limited company buy to let mortgages. From documentation to affordability checks, we make sure you are fully prepared and matched with lenders who suit your setup.
✅ Support with portfolio structuring and remortgages
Managing multiple properties can make mortgage applications more involved. We help you handle portfolio assessments, navigate lender limits and secure refinancing deals that support your next steps.
✅ Lender options for non standard properties and incomes
Some properties and incomes fall outside the high street criteria. We work with specialist lenders who can support cases involving HMOs, multi unit blocks, flats above shops, or clients with complex income such as contractors or multiple sources.
✅ Advice on rental stress tests and minimum deposit levels
Buy to let lenders use specific calculations to assess affordability. We explain how stress testing works, what rental income is required and how much deposit you’ll need so you can plan your application confidently.
We Work With All Types of Investors
Whatever your setup, we help you choose the right type of mortgage and the right lender based on your goals. Whether you’re buying your first rental or managing a growing portfolio, we give clear advice and full support from application to completion.
✅ First-time landlords
We guide you through your first investment, explaining how buy to let mortgages work, what lenders look for, and how to prepare a strong application.
✅ Portfolio landlords
If you already own multiple properties, we help structure your mortgage applications efficiently. From lender exposure limits to refinancing options, we make managing your portfolio easier.
✅ Limited companies and SPVs
Many investors choose to buy through a company. We’ll explain how limited company buy to let mortgages work, what documentation lenders require, and how to find lenders that support your setup.
✅ HMOs and multi unit blocks
These specialist property types require specialist lenders. We help you find those lenders, understand the additional criteria, and secure a mortgage that works for your project.
✅ Holiday lets and serviced accommodation
Whether you're letting a coastal cottage or a city apartment short-term, we help you find lenders that support holiday lets, understand occupancy requirements, and guide you through the process.
Let’s Make Your Next Property Work Harder
We’ll help you choose the right lender, pass the affordability checks and secure a deal that fits your investment strategy. Whether it’s your first or fifteenth rental, we’ll guide you through it with clear steps and no confusion.
We know the buy to let market moves fast. That’s why we give you quick answers, honest advice and full support from the moment you get in touch. If you’re planning your next move, we’re ready to help you make it count.
Rockmere Finance Ltd (Company No 16551568) • Registered in England and Wales
Registered Office: 47 Farringdon House, 29 Park Lodge Avenue, West Drayton, UB7 9FX
Email: [email protected] • Tel: 0800 912 450
Rockmere Finance is a trading name of Rockmere Finance Ltd (Company No 16551568), which is an Appointed Representative of Connect IFA Ltd (Firm Reference Number 441505), authorised and regulated by the Financial Conduct Authority. Connect IFA Ltd is entered on the Financial Services Register. Financial Services Register: https://register.fca.org.uk/s/
Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.
There will be a fee for mortgage advice; the precise amount will depend on your circumstances and will be confirmed in writing before you proceed. Full details are contained within our Terms of Business.
Your home may be repossessed if you do not keep up repayments on your mortgage or other secured loans.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Complaints: If you wish to register a complaint, please contact the Compliance Team at Connect IFA Ltd, 39 Station Lane, Hornchurch, Essex, RM12 6JL, Tel 01708 676110, or refer to the Financial Ombudsman Service at www.financial-ombudsman.org.uk.
The FCA does not regulate some forms of Buy to Let mortgages and Commercial mortgages to Limited Companies.
External links: By clicking onto external links you are leaving the Rockmere Finance website. Neither Rockmere Finance Ltd nor Connect IFA Ltd are responsible for the accuracy of the information contained within linked sites.