Thanks Obinna for such a thorough…
Thanks Obinna for such a thorough service. You took your time and patiently explained life insurance to me. Great service!
Buy to Let
Invest With Confidence
Looking for a long-term investment with a difference? A buy-to-let mortgage could be your perfect opportunity — we find the right deal for your portfolio.
300+
Wealth of lenders in the market
20k+
Reviews & 5 Stars Trustpilot results
5.0
Over 20+ years
in the industry
It was very thorough and patiently…
It was very thorough and patiently session. Ensured I understand everything and he answered every question I had and reassured me and gave me a good for thou…
Professional
Nice speaking with him. Very professional in his advice and patient in answering all questions. He deserve a 6 star not just 5.
5* Mortgage Broker
True to her name Madiha is truly praiseworth. She walked through the entire process of getting a mortgage offer concisely and thoroughly. We are super happy…
Excellent Service, 100% recommend
Madiha was absolutely amazing when it came to sorting out our mortgage and talking us through the process she is extremely knowledgeable. As first time buyer…
Andrew Latto was great
Andrew Latto was great throughout our remortgage process. Very responsive and patient despite an unforeseen issue our end. Would highly recommend.
Explained each steps
Explained each steps, explored various options.
Our Mortgage Experience
Our experience from the start to the end was a top notch with Mr Gbenga Peter Olubayo. Every tiny detail was simplified and made very easy for us. He sends r…
The mortgage broker is really truthful
The mortgage broker is really truthful, honest, patient, and really amazing. She has been very professional, yet empathetic all the way.
I recently took out a protection…
I recently took out a protection policy through Access Financial Services from an Advisor Shahid, and I couldn't be happier with the experience. The advisor…
Buy-to-let mortgages are designed for landlords and investors — assessed on rental income, loan-to-value and your overall portfolio, not just personal salary alone.
Whether you are buying your first rental property or expanding an existing portfolio, we search the whole market for rates, terms and products that fit your plans.
From limited company purchases to personal names, HMO and multi-unit options where available, we explain the criteria clearly and help you move forward with confidence.
Speak to an Expert
Why Choose Us For Buy to Let?
- Whole-of-market buy-to-let mortgage search
- Support for first-time landlords and portfolio investors
- Personal name and limited company options
- Clear guidance on rental stress tests and LTV
- Help remortgaging existing investment properties
- Access to exclusive broker-only products
- Plain-English advice with no obligation
How Much Can I Borrow?
Get a quick estimate based on your income — then speak to an adviser for a precise figure.
Estimated Maximum Borrowing
£ 0
Indicative only. BTL lending also depends on rental cover, LTV and lender criteria — speak to an adviser for a precise figure.
How it Works
Get started today in 3 simple steps
01Tell us your needs
Share the property type, expected rent, deposit and whether you are buying personally or via a company. No obligation.
02We Compare The Market
Your adviser searches specialist and high-street BTL lenders for rates, terms and stress-test criteria that fit your case.
03We Find The Deal
We manage the application, valuation and lender questions so you can focus on securing your investment property.
Our Mortgage Services
First-Time Buyer
Buying your first home? We'll guide you through every step — deposit, affordability, offer and completion.
Read More
Remortgage
Save money or release equity when your current deal ends. We'll find your best available rate.
Read More
Moving Home
Porting your existing mortgage or starting fresh — we'll handle the whole process for you.
Read More
Buy to Let
Looking to invest in property? We'll help you find the right buy-to-let mortgage for your portfolio.
Read MoreCommon Buy to Let Questions
Most BTL lenders ask for around 25% deposit, though some accept less depending on the property, rental income and your experience. We will show you realistic options.
Yes — most use a rental stress test so expected rent covers a percentage of the mortgage payment at a stressed rate. Personal income can also support the case with some lenders.
Yes — many investors use a limited company for tax or portfolio reasons. Specialist lenders offer company BTL products; we will explain the pros and cons for your situation.
Yes — many landlords remortgage to cut rates, release equity or restructure a portfolio. We factor in fees and early repayment charges before recommending a switch.
Typically ID, proof of address, income evidence, bank statements, deposit source, rental estimates and portfolio details if you already own other properties. We provide a tailored checklist.
Trusted By 1200+ Satisfied Customers
Access Financial Services exists to take you there. We're more than a finance provider; we're a trusted guide, delivering smart advice, personalized solutions, and the clarity needed to move forward with confidence. With Access, financial security isn't imagined—it's achieved.
Whole-of-market advice with a personal touch. Our team helped me find the right mortgage deal without the jargon — highly recommended.
From protection to commercial lending, Access guided us every step of the way. Professional, transparent, and always available.
