Buy-to-Let Mortgages for First-Time Landlords

Taking your first step into property investment? At Charleston Financial, we make it easy for first-time landlords to access buy-to-let mortgages with competitive rates, simple guidance, and expert support throughout the process.

  • Rates starting from 2.99%
  • Up to 80% loan-to-value (LTV)
  • Personal or Ltd Co/SPV applications welcome
  • No trading history required
  • Interest-only and repayment terms available
  • No upfront broker fees

Speak to us today +441908972491

 
Request a Quote
start your application online
 
Call +441908972491
for a no obligation quote

Very pleased with your service and the results on my mortgage with Gwyn Jones. I would like to speak to you again regarding another matter I need finance for. A special mention on your professional telephone manner

Request a call back

Please choose how you would like to receive future information, offers & other communications
Please add 9 and 1.

Finance Your First Rental Property with Confidence

Becoming a landlord for the first time is exciting but it also comes with paperwork, lender questions, and important decisions. At Charleston, we guide you through the full process, helping you compare deals and secure the right mortgage for your circumstances.

We’ll explain the criteria, assist with documents, and even help you set up a limited company (if needed) for tax-efficient investing.

Why First-Time Landlords Choose Charleston

  • Whole-of-market broker: access to 100+ lenders
  • Fast in-principle decisions: often within 24 hours
  • Help with personal, joint or Ltd Co applications
  • Guidance on expected rental income and stress testing
  • Friendly advice for new investors: no jargon, no pressure

Who's It For?

  • Aspiring landlords purchasing their first BTL property
  • Professionals investing outside their primary income
  • Individuals with no prior mortgage or rental experience
  • Parents buying for children (or vice versa)

Property Types

  • Flats and houses for standard rental
  • New builds or ex-local authority homes
  • Properties needing light refurbishment
  • Single-let or multi-let buy-to-lets
  • Holiday lets or Airbnb-friendly properties (case-by-case)

Application Process

  1. Talk to one of our advisors about your goals
  2. We run affordability checks and rental stress tests
  3. Get a decision in principle within 24 hours
  4. We help you through documentation, valuation, and legal stages
  5. You complete your first property purchase with confidence