Buy-to-Let Mortgage Broker in Bristol & the South West
Mortgages structured around your whole portfolio
We arrange buy-to-let mortgages for landlords and investors, whether you own one property or a growing portfolio.
Clear answers on what works, what doesn’t, and what to do next.
- Independent advice, compared across lenders
- Portfolio and limited company landlords
- Purchase and remortgage
Ed has helped me with a number of mortgages, buy to lets and residential. He is great to work with, really helpful and great advice. Would highly recommend.
V R Heal · Google review
Who This Buy-to-Let Mortgage Advice Is Right For
A Buy-to-Let mortgage is a loan used to buy, or release money from, a property you let to tenants rather than live in yourself. The lender looks mainly at the rent the property is expected to earn, as well as your own circumstances, and the loan can be in your own name or through a limited company.
Haupt & Co is an independent buy-to-let mortgage broker in Bristol, advising landlords across the South West and nationwide.
Most buy-to-let issues are not about the rate. They come from poor structuring, unsuitable lenders, or decisions that limit future borrowing. We are not tied to a single lender. We compare high street, mainstream and specialist lenders, then recommend the deal that fits your circumstances.
How we help:
- Planning how much you can borrow across your portfolio.
- Choosing lenders that do not restrict your next purchase or remortgage.
- Structuring deals so you can refinance and keep growing, including limited company buy-to-let and remortgages.
- Arranging finance for commercial and semi-commercial property alongside your lettings, through our commercial mortgage service.
- Arranging short-term bridging finance for auction or refurbishment purchases, with a buy-to-let mortgage as the exit. Our guide, Bridging loans explained, shows how it works.
Haupt & Co is an independent mortgage broker, not tied to any one lender, based in Bristol working with clients across the UK, specialising in complex and portfolio buy-to-let lending.
In your initial chat, we'll cover:
- Where your current mortgage structure may be increasing your costs unnecessarily
- Your maximum buy-to-let borrowing power
- The ownership structure that saves you the most tax
- Lenders that that will accept your scenario
- A clear purchase or remortgage strategy to grow and optimise your portfolio
★★★★★
“I’ve used them a number of times now, across both my residential mortgage and my rental, and the service has been spot on every time.”
Jack Walsh · Google review
How Our Buy-to-Let Mortgage Broker Service Works
Four Steps. Structured. Straightforward.
Understand Your Goals
Research the Market
Present Your Custom Strategy
Manage Everything to Completion
- We dig into your portfolio, rental income, expansion plans, and pain points. No generic advice. Everything is tailored to you. We'll tell you immediately if we can help, or point you toward someone who can.
- We analyse all buy-to-let lenders, from high street to specialist, and compare the options against your goals: rates, terms, rental coverage and property types. You get the shortlist. We handle the legwork.
- We show you side-by-side comparisons of the options available to you, with clear projections of costs and long-term impact. You make the decision. We execute it.
- From application to completion, we handle lender queries, and keep you updated without you having to ask. Then we stick around: reviewing your portfolio annually, flagging better deals and helping you scale.
Our aim?
Clear options. Considered structure. Ongoing support.
What Our Clients Say
Thinking about buying through a limited company?
Our Complete Guide to SPV Buy-to-Let Mortgages explains how buying through a limited company works, how lenders view it and what to consider before you decide.
Buying a let property on a tight timescale?
Bridging finance can secure a let property while longer-term buy-to-let finance is arranged, whether you are buying at auction, between sales or ahead of a refurbishment. We plan the exit before you commit.
Buy-to-Let Mortgage FAQs
No two situations are the same. These are some of the questions we’re asked most often.
How much does this cost?
The initial consultation is completely free. If we proceed, we’re typically paid by the lender, so in many cases, our service costs you nothing out of pocket. We’ll always be transparent about fees before you commit.
I already have a broker. Why should I talk to you?
Great brokers are worth their weight in gold, but not all brokers are great. If yours is proactive and genuinely understands landlords, stick with them. But if you’re not fully confident in your current arrangements, a second opinion costs you nothing. You might find there are options you haven’t considered.
I've been rejected before. Can you really help?
A decline from one lender is not always the end of the road. We specialise in complex cases, including adverse credit, non-standard properties, portfolio landlords and company structures. Where high street brokers see problems, we see solutions. We have access to specialist lenders who say yes when others say no.
Why is Buy-to-Let borrowing about more than just getting a good rate?
Because long-term returns are shaped just as much by structure and flexibility as by the headline rate. The way a Buy-to-Let mortgage is set up including ownership structure, stress testing, lender choice and future exit options, can affect cashflow, borrowing capacity and portfolio growth over time. Taking a strategic view from the outset helps ensure today’s decision doesn’t limit tomorrow’s opportunities.
Who is eligible for a Buy-to-Let mortgage?
Buy-to-Let mortgages are typically available to UK residents aged 18 or over, although many lenders prefer applicants to be 21+. Lenders will assess your personal income, credit profile, experience as a landlord (if any), and the expected rental income from the property. You don’t always need to be an experienced landlord. First-time investors may still be considered by certain lenders.
How much deposit do I need for a Buy-to-Let mortgage?
Most Buy-to-Let mortgages require a minimum deposit of 25% of the property value. In some cases, a higher deposit may be needed depending on your circumstances, the property type, or whether the purchase is made personally or through a limited company.
What is the maximum Loan-to-Value (LTV) for a Buy-to-Let mortgage?
The maximum Loan-to-Value for most Buy-to-Let mortgages is 75%. Some lenders may offer slightly lower or higher limits depending on the strength of the application, rental income, and lender criteria. We’ll help you identify lenders offering the most suitable LTV for your situation.
How do lenders decide how much I can borrow on a Buy-to-Let mortgage?
Most Buy-to-Let lenders look mainly at the rent the property is expected to earn. They test whether the rent covers the mortgage interest by a set margin, often between 125% and 145%, using a higher “stress” interest rate than the one you would actually pay. The margin and the stress rate vary by lender, and can depend on your tax position and on whether you are buying or remortgaging. Some lenders also take your personal income into account. We will check this against your plans before you apply.
Should I choose an interest-only or a repayment Buy-to-Let mortgage?
Both are available. With an interest-only mortgage you pay just the interest each month, so payments are lower, and the loan is repaid at the end of the term, so lenders expect you to have a plan for that. With a repayment mortgage you pay interest and part of the loan each month, so the balance falls over time but the payments are higher. Many Buy-to-Let loans are arranged on an interest-only basis, and some lenders offer part interest-only, part repayment. The right choice depends on your plans, and your accountant can advise on the tax side.
What costs come with buying a Buy-to-Let property?
As well as your deposit, costs usually include a valuation fee, legal fees, any arrangement or product fee charged by the lender, and stamp duty or its equivalent. Higher rates of Stamp Duty Land Tax apply to additional residential properties in England and Northern Ireland. In Scotland, the Additional Dwelling Supplement is added to Land and Buildings Transaction Tax, and in Wales, higher residential rates of Land Transaction Tax apply. Lender fees vary by lender and product, and some lenders charge an early repayment fee if you leave a deal early. For tax advice, please speak to an accountant.
Are Buy-to-Let mortgages regulated by the FCA?
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority (FCA), because they are treated as business lending. Some are regulated, for example where you or a close family member will live in the property, or where the mortgage is a consumer Buy-to-Let. Which applies depends on your circumstances and the purpose of the loan. We will explain how it applies to you at your consultation.
Can I remortgage a Buy-to-Let property or raise extra funds against it?
Yes. Many lenders offer Buy-to-Let remortgages, and some allow you to borrow more against the property, for example to improve it or to put towards another purchase. The lender will usually test the rent again, and the test can be stricter when you borrow more. Check any early repayment charge on your current deal before you switch, and allow for valuation, arrangement and legal costs on the new one. For tax advice, please speak to an accountant.
Is there a way to structure my portfolio more efficiently?
Yes and this is where strategic advice really matters. Portfolio efficiency isn’t just about rates; it’s about how properties are grouped, financed and stress-tested. By reviewing loan terms, ownership structure, LTVs and rental performance across the portfolio, we can help reduce borrowing friction, improve flexibility, and create capacity for future growth.
Can you help with MUFB mortgages and complex property types?
Yes. We regularly advise landlords on MUFB mortgages, HMOs, semi-commercial properties and more complex portfolio structures.
Are there benefits to using an SPV (Special Purpose Vehicle)?
For many investors, yes. Holding property in an SPV limited company can offer tax efficiencies, clearer separation of personal and investment finances, and often greater flexibility as portfolios grow. However, it isn’t right for everyone. SPV mortgages can carry slightly higher rates and require personal guarantees. We’ll help you assess whether an SPV structure aligns with your long-term strategy.
Are there lenders more comfortable with complex portfolios?
Absolutely. Some lenders specialise in portfolio and professional landlords and are far more comfortable with multiple properties, complex income, mixed-use assets or layered borrowing. Accessing these lenders and presenting your portfolio correctly can make a significant difference to outcomes. This is where lender access and experience with complex cases becomes invaluable.
Do I need to know exactly what I want before speaking to you?
No. Many clients come to us with an idea rather than a fixed plan. Our role is to help you explore options, highlight considerations, and guide you towards a structure that aligns with your wider strategy.
Buy-to-Let Guides
Practical guidance for landlords on setting up, financing and growing a rental portfolio.
Bristol & South West Landlord Guide 2026: How to Run a Secure, Profitable Tenancy
A practical guide for Bristol and South West landlords covering tenant referencing, guarantors, rent protection, compliance and strategies for a more secure tenancy.
Build a Buy-to-Let Portfolio That Lenders Will Keep Funding.
Whether you’re buying your first rental or managing 50 properties, get independent advice, compared across lenders, that maximises your returns and aligns with your investment goals.
Never rushed. No obligation. Clear next steps.
★★★★★
“They really know their stuff, they keep you up to date every step of the way…”
Andrew Kingston · Google review