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Buy to Let Specialist Mortgage Brokers in York

Portrait of Keith Humphreys, Managing Director and Founder of Pinpoint Finance

Keith Humphreys

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    Want to buy residential property to rent out to private tenants?

    Struggling to find the right buy-to-let mortgage for rental property? If you’re experienced in this area then you’ll already know that it can be a complex challenge. And if you are new to the world of buy-to-let, then you may not even know where to begin.

    You may have already approached your bank. While they might have come up with a product for you, in our experience, they won’t give you the best rate for a buy-to-let mortgage.

    The Go-To Broker For Buy To Let Mortgages

    speak with Keith

    Your situation is unique. Every buy to let is different. Perhaps you need a buy to let mortgage for a house in multiple occupation (HMO) or a multi-unit student let. Or, you’re trying to set up a limited company buy to let.

    Whatever your needs, getting the right buy to let mortgage for your situation requires extensive market knowledge, to understand what your options are. But our team also has access to the many specialist mortgage deals that your average broker won’t be able to offer.

    You need a team with unrivalled experience to get the right mortgage for your rental properties. A team that will listen to your needs, ask the right questions and then get things done for you. Experts who ‘think like an underwriter’ – who will ask you all the right questions so that we can then powerfully pitch your case to key decision makers so that you’ll get exactly the deal you need.

    We’re proud to be the trusted partner for buy to let investors and landlords – covering everything from HMOs and student lets to holiday lets and auction properties.

    Pinpoint Finance is FCA-regulated and authorised. We are also proud members of the NACFB, ensuring we adhere to the highest standards in the finance industry.

    BTL Mortgage Solutions for Every Landlord

    Whether you’re stepping into the world of property investment for the first time or you’re an experienced landlord managing a diverse portfolio, securing the right buy-to-let (BTL) mortgage is crucial to your success. At Pinpoint Finance, we offer bespoke mortgage solutions designed to meet the unique needs of landlords at every stage of their journey.

    For First-Time Landlords:
    Starting out as a landlord can be both exciting and daunting. We’re here to guide you through the process, helping you navigate the complexities of securing your first BTL mortgage. Our team takes the time to understand your goals and financial situation, ensuring you get the best BTL mortgage deal that aligns with your investment strategy. We provide expert advice on everything from understanding rental yields to selecting the right property, giving you the confidence to take your first step into property investment.

    For Experienced Portfolio Landlords:
    Managing a portfolio of properties comes with its own set of challenges, and finding the right BTL mortgage product is essential for maintaining and growing your investments. We understand that your needs are more complex, whether it’s refinancing existing properties, optimising your cash flow, or expanding your portfolio. Our access to exclusive BTL mortgage products and our in-depth market knowledge means we can tailor solutions that maximise your investment potential and support your long-term goals.

    Why Choose Pinpoint Finance?
    Our expertise in the buy-to-let market is second to none. We pride ourselves on offering personalised service and taking a strategic approach to ensuring you secure the right BTL mortgage, whether you’re just starting out or looking to enhance an established portfolio. We think like underwriters, crafting strong cases to present to the right lender and increasing the likelihood of securing favourable terms.

    Regulated and Trusted:
    Pinpoint Finance is FCA-regulated and authorised, ensuring you receive the highest service and advice. As proud members of the NACFB, we are committed to ethical practices and delivering outstanding results for our clients.

    Whether you’re a first-time landlord or a seasoned investor, let Pinpoint Finance be your trusted partner in navigating the buy-to-let mortgage market.

    We take the pain out of the process

    speak with Keith

    We take the pain out of the process, and use our extensive expertise to help you to avoid any pitfalls. You want to spend your time growing your business – not on filling out endless forms and getting bogged down in trying to find the right buy to let mortgage for your needs.

    Whether buying to let is your main business, or a side business where you buy multiple properties to let them out, our expertise saves you time and money. Whatever your situation, we’ll tailor our service to your needs.

    For example, you might be an experienced property investor who already has a number of properties in your portfolio. You don’t need us to hold your hand – you understand the jargon and you just want things sorted quickly. In this situation, just leave it to us – we’ll make things happen and only be in touch occasionally.

    However you may be new to buy to let – looking to invest in residential property, but not sure where to begin. In this case we’ll be with you every step of the way – listening to your needs, talking you through the options in a clear, jargon-free way that makes the whole process pain-free.

    Expertise that saves you time and money you Buy to Let Mortgage

    Some brokers will try to tie you into buy-to-let mortgage deals that give them a nice cut and large set-up fees but just don’t work for you. We’ll always use our market insight to save you time and money.

    For example, proposed legislative changes say that a rental property may need to be energy rating “C”. So, we won’t tie you into a five-year mortgage that will leave you with a non-compliant property in a few years. It’s a level of industry knowledge that other brokers can’t match.

    Thinking about using a Limited Company to purchase a Buy to Let Property?

    If you are seeking advice about investing in Buy to Let property through a Limited Company, you’ve found the right team of mortgage advisers. At Pinpoint Finance we know the difference between a SPV (Special Purpose Vehicle) and a trading company, we know business finance, real property finance and we know Limited Company Buy to Let Mortgages. We have access to a wide range of mortgages specifically designed for First Time Landlords to experienced Landlords buying through a Limited Company. With our breath of experience within the commercial finance world, not only will we find you the most attractive interest rates but also favourable criteria to meet your specific requirements.

    Looking for a BTL mortgage for commercial premises?

    Visit our commercial mortgages page here

    Send Keith a message




      I have read the Pinpoint Finance Customer Privacy Policy:


      At Pinpoint Finance offers advice on all types of Buy to Let Mortgages:

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