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Buy To Let

Professional Mortgage Advice

Buy To Let Mortgage Broker

If you either own or are looking to own a property and want to let it out to paying tenants, you will need a Buy to Let mortgage. As with regular residential mortgages, there are a number of different options and lending is based on affordability.

The buy to let market has complex lending criteria. It is estimated that 75% of specialist mortgage products in this market are arranged through brokers.

Millenium Mortgages are an experienced Buy to Let mortgage broker. Our team has extensive knowledge of lenders and their best products. We will guide you from the initial conversation to the completion of your property, ensuring you secure the right mortgage.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

1

New Landlords

Whether you’re looking to start a portfolio or just let out a property temporarily.

2

Existing Landlords

Adding to an already developed portfolio or remortgaging an existing product.

3

Ltd Companies and SPVs

Professionals operating under a Ltd company or Special Purchase Vehicle

Book a Mortgage Appointment

If you’re ready to talk to one of our mortgage specialists you can book an online video call or a phone appointment at a time to suit you. Please allow 45 minutes for your mortgage appointment. Following the mortgage consultation there’s no obligation to use our services.

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FAQ’s

Got a question about buy-to-let mortgages? Please let us know and we’ll display the most popular ones here.

Buy To Let

The minimum deposit generally required for a Buy-to-let mortgage is 20%, but as with a residential mortgage, a greater deposit will give access to lower mortgage rates. There are a handful of lenders who may offer a mortgage with a lower deposit, but this will depend on availability at the time of application.

A Buy-to-let mortgage is similar to a regular mortgage in the sense that you will typically make monthly payments to cover either the capital and interest or just the interest. Importantly, the way the mortgage is assessed is slightly different. The lender will focus more on the rental yield achieved by the rental property as opposed to the applicant’s income and affordability.

The way that Buy-to-let mortgages are assessed is very different to a typical residential mortgage. The lender will make an assessment of how much rental income they believe the property can achieve on the open market. Consideration will also be given to the applicant’s tax position and the value of the property.

Many lenders will be willing to provide a Buy-to-let mortgage without any employment income, as long as you can prove your financial situation is sustainable. The focus for most Buy-to-let lenders is the rental income that the property can achieve on the open market.

Mark BlanchardMark Blanchard
06:29 13 Apr 24
5* Great service from start to finish.
Del SmellDel Smell
15:41 25 Mar 24
A great morgage adviser, very calm and knowledgeable. Helped explain the whole system. Mark is a great guy
Sam HartSam Hart
13:16 25 Mar 24
Thank you Mark for your help / support and excellent advice whilst completing our mortgage renewal. 5 star service, highly recommend. Thanks S Hart
Julie CoatesJulie Coates
09:51 25 Mar 24
Great service from Mark. Highly recommended.
Sarah BrodieSarah Brodie
07:59 11 Mar 24
Great service. Mark always goes above and beyond to make sure we get the best deal and communication is fantastic. Highly recommend.
Tara DaltonTara Dalton
21:47 10 Mar 24
Mark has been amazing through the whole process. He is very knowledgeable and supportive. Would highly recommend!
Pete LazenbyPete Lazenby
09:34 26 Feb 24
I’ve known Mark for far longer than either of us care to remember. He remains a thoroughly nice guy who helped me sort the best mortgage for my current needs. It wasn’t straightforward! However, he calmly explains every step and worked tirelessly to get us over the line. Thanks again, Mark. Coffee is on me next time!
izzy clarkizzy clark
15:42 24 Feb 24
Mark was amazing from start to finish when helping us with our mortgage. Reliable, professional and amazing customer service.
Kane AndrewsKane Andrews
07:08 24 Feb 24
Hanna MickiewiczHanna Mickiewicz
09:33 15 Feb 24
Mark was really helpful and supportive. He explained everything to me and was very transparent.
sophiadolgovasophiadolgova
08:39 12 Feb 24
The communication was brilliant and Mark was very helpful with all my queries
Katie O'ConnorKatie O'Connor
22:16 11 Feb 24
Andy ShorthouseAndy Shorthouse
11:22 11 Feb 24
Great service from Mark .Worked hard to secure us the best deal possible. Highly recommend.
ben urryben urry
07:30 30 Jan 24
Kris HainesKris Haines
11:36 18 Jan 24
I cannot recommend Mark at Millennium Mortgages enough. When I told Mark I was a complete novice to the home buying world, he guided me through every single step of the process, kept me informed and went over and beyond what I expected. I’m a first time buyer and the guidance Mark has given me was nothing short of live saving! Thank you for everything Mark
Matty CraggsMatty Craggs
11:32 07 Dec 23
Mark was extremely helpful with all my questions and made everything clear from the start. His speedy responses and ability to explain complex things made the process stress free, his input was invaluable.
Beth CaleyBeth Caley
13:56 12 Nov 23
Fantastic company, would 100% recommend. As first time buyers, we were unsure about the process but Mark was incredibly helpful and guided us every step of the way.
Jools PoolJools Pool
11:42 30 Oct 23
Mark at milllenium mortgages was spot on helped me get a mortgage and was successful.We couldn’t be happier with the serviceIf we move again we will definitely use him again
Exceptional Service from Mark at Millennium MortgagesWe've had the pleasure of working with Mark from Millennium Mortgages for multiple transactions, and each time, he has exceeded our expectations. During the COVID-19 lockdown, Mark skillfully navigated the financial challenges that the virus and lockdown brought with it and found us a suitable mortgage.Recently, Mark facilitated a seamless remortgage process on our house, this was done over a period of 6 months and during this time he was relentless in looking for the best product to ease the pressure of the rising interest rates., once again showcasing his expertise.In addition to arranging two domestic mortgages for us, his pursuit of a better rate for our commercial mortgage reflects his commitment to our financial well-being. Mark's attentive and knowledgeable approach sets him apart.His regular updates and prompt responses provided us with peace of mind, ensuring we felt supported throughout. Mark's personalised service and genuine care for his clients are truly commendable. It's safe to say that Mark is now our go-to mortgage advisor, and we wouldn't consider anyone else.In summary, Mark at Millennium Mortgages offers a level of service that's truly unmatched. His dedication to securing the best deals and his exceptional client-centric approach have earned him a solid 10/10 from us. We wholeheartedly recommend Mark to anyone in need of top-notch mortgage advice and assistance.
George middletonGeorge middleton
19:28 18 Sep 23
Great company, mark thurman was our advisor, great friendly guy. We were first time buyers so he guided us through everything one step at a time. Really made it a quick easy process 10/10 👍
Chelsea WilliamsChelsea Williams
17:44 13 Sep 23
What can I say without Mark and his great advice and assistance I wouldn’t know what to do!! Always there to answer my many questions could not recommend him more to anyone who needs a mortgage or renweing!
Michael ChewMichael Chew
08:52 29 Jul 23
Cannot praise Mark highly enough, kept us updated at every stage of our application and would certainly recommend him to anyone
Stacey FoxStacey Fox
11:51 28 Jul 23
I would 100% recommend, Mark was amazing throughout the full process, he kept me informed every single step of the way and we worked together, everything was explained perfectly and I understood what was happening , even when things weren't going as smooth as we hoped , he kept positive and it made me feel at ease .I was told as a single income and two dependents I would not be able to get a mortgage but Mark didn't take no for a answer and because of this I have my offer and I can not thank you enough 🙂
E HarrisonE Harrison
19:25 20 Jul 23
Mark has been so patient every step of the way to us buying our first home . He has made sure that everything was fully explained in a way that we understood before moving on to the next step in the process. We would definitely recommend.
LiamLiam
19:25 20 Jul 23
Mark has been fantastic with helping set up our mortgage. As a first time buyer everything is all a bit overwhelming and confusing but mark has made everything so simple and understandable. Would highly recommend
Chris DavidsonChris Davidson
19:13 20 Jul 23
Fantastic service from start to finish. Made our 1st remortgage very straight forward. We would highly recommend Mark, a good friend and a top man. Thankyou.
LaurenLauren
09:00 26 Jun 23
Excellent service! Mike was fantastic throughout, as a first time buyer I was so unsure about the process and Mike explained everything to me and ensured I fully understood everything. He always goes above and beyond and I can not recommend him enough! Thank you for everything.
Gary HartleyGary Hartley
16:13 21 Jun 23
I have had a number of mortgages renewed, extended etc with mark at Millenium mortgages for many years, I have found his knowledge and advice exemplary and second to none. Mark has saved me thousands of pounds over the years. He delivers a first class professional service and nothing is too much trouble to him. I have and will continue to recommend him to family and friends. Thank you for your service mark.
Jamie StaffordJamie Stafford
14:42 20 Jun 23
My wife and I have used Millennium Mortgages for all our needs since we bought our first flat in about 2002 (my in-laws had used them previously and recommended). We’ve always had good solid advice and the team are friendly and very knowledgeable. We’ve merged mortgages, lengthened and shortened terms just about everything you can do to a mortgage and it was all dealt with professionally, with patience and in plain English!Mark will go out of his way to ensure all goes smoothly , we’ve met in town centres to swap paperwork (on his day off!!!) and within 30 seconds of sending a message to see if he’s free, the phone is ringing! The word ‘dedication’ doesn’t feel close to covering the service he offers.We’re heading towards the end of our 20+ year journey with them, as thanks to their advice and help we’re just about mortgage free.I have and will continue to recommend them to friends/family, and should I ever need a mortgage firm again I’ll be straight in the phone. Thank you!
Tony AntcliffeTony Antcliffe
16:05 08 Jun 23
Fantastic service provided by Mark.He secured the mortgage for our first home and has now secured the mortgage for our second home.Very professional and friendly service.We couldn't of asked for anymore.Highly recommended
eva taiteva tait
06:56 16 May 23
Mark has been so helpful with getting my boyfriend and I our mortgage, we’re both first time buyers so had no clue where to start but we’re fully supported by Mark! Even when we encountered problems with the house we were purchasing Mark was really helpful with his advice for navigating how to handle things. Couldn’t recommend him enough, made everything so much easier!
Billy WilsonBilly Wilson
15:12 15 May 23
Marks been brilliant helping us buy our first home. Even when there were issues with the property and we needed extra support he was always just a text/call away and always super helpful. Always goes the extra mile to help and we both felt very well looked after! Can’t recommend him enough 🙂 Thanks for all the help!
Natalie EggletonNatalie Eggleton
14:15 15 May 23
We could not ask for a better service from Mark. Being first time buyers the whole process is a bit daunting but he provided all the advice we need to make informed decisions and was patient with all my questions. We would recommend him to anyone looking for a mortgage. He goes above and beyond for his clients and has made this process easy for us with his guidance and knowledge. We couldn’t have asked for more.
hannah druryhannah drury
08:44 07 Apr 23
As a first time buyer, with a less then straight forward set of circumstances, Mark has supported and guided us through the process with honesty and transparency. His knowledge allows him to make suggestions that best fit your situation, with the best possible result. So far, he's made what could be quite a stressful experience much more palatable! Would certainly recommend based on experience so far. Thanks
Alex HunterAlex Hunter
18:36 22 Feb 23
Relentless is the word. I think Mark as always battles and fights for your needs and for the third time has come through with the goods. Puts the hours in far beyond what is expected. He has taken me on as a client for the third time through the rollercoaster but hadn't given up. When many others would. He never sugar coated things honest throughout where many lead you down the garden path. His work is reflected in getting the house of my families dreams. Thanks to this guy our family is complete.I can not put into words what he achieves or the thanks I owe this man what I would say is stick with him his results are testimony to his hard work. Recommend every day of the week.
jacob chambersjacob chambers
17:47 06 Feb 23
Top class service from Mark. As first time buyers, he had our mortgage application accepted and offered in a couple of days, putting our minds at ease with regular updates. Extremely efficient and would highly recommend to anyone 👍
Jenny WrightJenny Wright
16:05 16 Jan 23
Millennium mortgages is fantastic with setting up mortgages, working efficiently and quickly. A great help going through the process step by step, would recommend to anyone looking for a mortgage. Really is great at his job, thank you for an amazing service.
Chris JustChris Just
13:32 21 Dec 22
Exceptional service, second time I’ve used Millennium Mortgages. Mark does a fantastic job at getting you the best deal. Would highly recommend
Pen MarlowPen Marlow
19:07 08 Nov 22
Mark helped us quite a few years ago to secure a second mortgage so Mark was our first choice when we were looking at moving. I rang to request an appointment but Mark answered my call and after I explained our situation he was quickly on the case. Mark is very experienced and provided several solutions and mortgage options. Mark has so much knowledge of any thing financial and knowledge of the current financial climate. I fully recommend Millennium Mortgages and would never use anyone else. Thank you Mark
Joel SlinnJoel Slinn
11:03 23 Oct 22
Mike was fantastic in helping us secure a mortgage as a first-time buyer. He was friendly, extremely knowledgeable, and above all, incredibly patient answering all our questions. Mike went above and beyond to make sure we felt comfortable throughout the process. I wouldn't hesitate to recommend Millennium to anyone!
Samie KirkSamie Kirk
19:22 16 Aug 22
I would highly recommend Mark with Millennium Mortgages.He was very professional & patient regarding searches been carried out.He also put me at ease With his friendly manner.
Phoebe Frances-ChiPhoebe Frances-Chi
08:58 28 Jul 22
We worked with Mark Thurman to secure a mortgage offer as first time buyers. He was recommended to us by a friend who was also a first time buyer and had said that he made the process extremely easy.Mark took all of the stress out of applying for a mortgage and solved every issue that came up with our application. Ours was slightly complicated as my wife does not have settled status, and I do not have my work contract yet. However this was not a problem for Mark and it all felt like smooth sailing on our end.Even when our future home got downvalued, this was no problem for Mark and he had a new offer for us within a day or so, with the monthly payment actually working out cheaper!Mark went beyond what we expected and helped us make a longer term mortgage plan and explained offset accounts and remortgaging to us in very clear ways- things we had no clue about before!Millenium Mortgages are very reasonably priced and absolutely worth it to take the stress and confusion out of getting a mortgage. As a first time buyer would recommend to anyone who finds the process of getting a mortgage intimidating or confusing as you can trust Mark to handle it whilst keeping you in the loop at every stage and giving you plenty of choices
Stu RussellStu Russell
19:55 20 Jul 22
Mark could not have been more helpful. He’s extremely knowledgeable in everything mortgage related and genuinely wants what is best for his customer. An absolute pleasure to deal with. Thank you Mark
Ash GloverAsh Glover
07:56 13 Jul 22
Excellent service from the company in order to find myself a suitable mortgage. Mike was very effective in his communication and attentiveness to ensure the process was very smooth. Will definitely be using them for future services.
Laura WhitingLaura Whiting
06:30 24 May 22
Mark is absolutely brilliant! Explains everything in easy to understand ways (much needed when you are clueless in financial / mortgage matters). Really friendly and helpful. The whole process of re mortgaging my house and changing mortgage type was so simple with marks help and absolutely stress free !! Highly recommend!!
simon forthsimon forth
17:04 05 May 22
Excellent service again from Mark, would recommend Millennium Mortgages 100%.Mark has arranged all my mortgages since 1996. I wouldn't go anywhere else.Recommended him to friends and family and they too have had their mortgages arranged by him.
Lisa GarnerLisa Garner
09:02 04 May 22
We have used Mark at Millennium mortgages for years. He always goes out of his way to find the best deals, would never go anywhere else now. Would highly recommend 👍
Joseph BarkhoJoseph Barkho
16:30 06 Apr 22
Great service from Mark, really explored all the options for myself. i could not recommend highly. Thanks again
Duncan CollieDuncan Collie
11:49 06 Apr 22
Mark has been superb. As a first time buyer, I had no idea what I was doing and and so was getting pressured by the estate agent. I was recommended Millenium Mortgages by a friend after trying to do everything myself and not getting very far, very fast. Mark has been quick and supportive keeping me informed every step of the way. I highly recommend this company and would now not consider anyone else if I went through this process again.
Chirality Ink Ltd.Chirality Ink Ltd.
17:29 23 Mar 22
Mark and his team are very thorough and professional.We used him initially after recommendation from my accountant, and haven't regretted it for a moment.Not only am I certain he's saved me money, but time, which is a huge commodity for me as I don't have a lot of it to spar, and Mark literally took out every piece of legwork.After our second round of business, I'm as impressed as the first time and would not hesitate for a second to recommend him and his team to anyone.If I could give more than 5 stars, I would.
Alison TrumanAlison Truman
14:29 16 Mar 22
We've had such a great experience working with Mark at Millennium Mortgages. As first time buyers, we were apprehensive about the process, but Mark explained everything really clearly and put our minds at ease. He was so personable in his approach which immediately made my husband and I feel comfortable about working with him and we knew he'd find the best deal to suit our needs! The process has been very straight forward so far, thanks to Mark's professionalism and proactive attitude. We really appreciated all of his help and guidance throughout, and we would highly recommend his services to anyone looking for a mortgage advisor! Thanks for everything Mark 👍🏻
Callum WhiteCallum White
18:53 14 Mar 22
Mark came recommended by a friend and he was definitely worth it. He is friendly, professional and very quick. I would recommend him to anyone looking for a broker to take the hassle out of finding a mortgage.
Joe WilemanJoe Wileman
14:58 22 Feb 22
Top quality service provided by Mark yet again. He doesn’t stop until he’s found the best deals for his customers and constantly keeps you updated with progression. Could not recommend him higher.
Edward SwiftEdward Swift
22:03 11 Feb 22
What can I say other than amazing service.This is the second time Mark has secured a new mortgage for me on 2 separate houses in different financial climates, both of which were secured without hassle.Mark is an expert in his field who only provides the best products to suit your individual needs. I was provided several different mortgage products from various lenders of which he took the time to explain, thus allowing me to make an informed decision in factors such as; duration of mortgage, monthly cost and fixed rate percentage, all of which has resulted in the most secure product and capital repayment options on my property.Don’t bother with online comparison sites, as to ensure the very best results a Mortgage Broker is the only option I would trust.Thanks again Mark for securing another dream home.
Eileen WalkerEileen Walker
17:09 10 Feb 22
I couldn’t wish for anyone better to help my grandson get on the property ladder. Mark is very informative, explaining everything clearly. His pleasant manner makes asking questions easy! Thank you Mark.
H “H” YoungH “H” Young
10:03 13 Jan 22
Couldn't recommend them more, quick, efficient and go above and beyond to get you a mortgage specific to your needs. Mark was extremely helpful through all stages of the application process and kept us well informed through each stage the process. I will 100% be using them again in the future.
Div Lad DLDiv Lad DL
10:48 09 Jan 22
We have just used the services fromMillennium Mortgages for a fourth time . The process as always was simple and quick, everything has been arranged in a matter of days. The service received was both professional and friendly. We would definitely recommend Millennium Mortgages to family and friends.
Robert NaismithRobert Naismith
19:11 02 Dec 21
If you are not sure who to use to arrange your mortgage, then Mark with Millennium Mortgages is who you need. We’ve used him twice now and both times my wife and I have had a very professional and efficient service from Mark who made the process stress free, which is what is needed as arranging and sorting mortgages is no easy task. Highly recommend their services.
Bruno LeiaBruno Leia
10:48 28 Nov 21
After contacting some recommended states agents and lose all my hopes of getting a mortgage, a friend of mine gave me Millennium Mortgage contract details and from the very first day that contracted them, I've never been forgotten. Particularly the guy called Mike Plaster, full of attention, always updates you, tried his best to find a better deal, not allow you to panic and at the mean time helping to find a life insurance, building insurance and lastly absolutely friendly. Well done Millennium to providing as a nice member of your staff. I finally got my mortgage and if you're struggling to find a mortgage or lender I strongly recommend Millennium Mortgages. Thank you
AbiAbi
20:12 12 Oct 21
I would highly recommend Millennium Mortgages. Mike provided excellent service customer from initial enquiry through to completion. His knowledge and professional approach gave me 100% confidence throughout. Mike ensured that I was kept fully updated during each stage, and was on hand if I had any questions. I will definitely be using them in the future.
Jessica WayJessica Way
20:19 11 Mar 21
Exceptional service from a highly knowledgeable professional. Fast, simple and easy with no hidden agenda. Mike was very precise and made us feel 100% comfortable. Very friendly and informative. Would highly recommend and hope to deal with the company again in the future. Thank you so much for making this process exceedingly straightforward.
Ronan FergusonRonan Ferguson
20:36 12 Nov 20
As a first time buyer, I can't say just how helpful this company has been in guiding us through the process. Very responsive, open and honest throughout. Buying a house can be stressful, but these guys have been a pleasure to work with
Millennium Mortgages really made the mortgage process as easy as possible for us. Mike explained everything in simple terms and was always responsive whenever we needed anything at all. Given the pandemic, finding a mortgage was more stressful than usual and Mike managed to find us the best deal possible, given our situation. Highly recommend.
Richard Frank NicolRichard Frank Nicol
11:40 16 Sep 20
Mike did a brilliant job moving me to a better deal with Nationwide. Very professional and super fast at sorting everything. Highly recommended 👌
Lewis WrightLewis Wright
08:14 08 Jul 20
I highly recommend this mortgage broker. They are professional and responsive throughout the process and take their time to explain the sometimes complicated world of mortgages. By using this broker we managed to find a deal which works the best for our situation as well saving money both in the short and long term. 10 out of 10 for professional conduct, efficiency, communication and value.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

For our advice services, we will charge a fee of between £199 and £999. (Range of fees available on request)
Our typical fee is £399.
We will also be paid commission from the lender.
We will provide you with full written details of the basis upon which we will be paid for the Services we provide. This could include a payment from your mortgage provider and/or a fee we will charge you.
We will not commence any substantive work for which we will charge you a fee until we have agreed the applicable fee with you and such fee is recorded in a binding Client Fee Agreement.
We will not exceed any limits on any fee set out in the Client Fee Agreement without your Agreement.
We will advise if it is appropriate to pay fees or charges in connection with the mortgage up front as opposed to adding them to the sum advanced under the mortgage contract. We will not commit you to an application for a mortgage where a fee or charge of any kind (receivable by our Firm or another party) is to be added to the sum advanced, unless you have made a positive choice to add the fee or charge to the sum advanced.

Registered in England & Wales No.6865015 | 26 Carlton Rise, Beverley, East Yorkshire, HU17 8UR