Simplified Buy to Let Mortgages
Whether you are looking for your first property or expanding your portfolio, we are here to make it smooth sailing.
Get a QuoteBuy to Let investment success stories
We know we can turn your investment dreams into reality, but let’s let the reviews do the talking:
Lorna, thank you for all your help with our mortgage and loan so we could get our property. We are so thankful and will never forget all the help, advice and excellent level of service you provided.
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From start to finish Conor and the team were quick, friendly and always happy to answer any questions which in turn lead to our mortgage being approved. Great level of service, thank you.
Kris & Emma
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Brilliant service once again. I enquired about house insurance on a Friday afternoon as our renewal premium had more than doubled! Oracle not only came back with a quote out of hours, but we’re now paying a third of the renewal quote! We wouldn’t go anywhere else for our mortgage, life or house insurance.
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Jay was extremely helpful and knowledgeable, allowing us to swiftly move our house insurance for a fraction of the renewal price quoted elsewhere (after 14 years with no claims). Thank you Jay and Oracle for working through these unprecedented times!
Charlotte
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Both Lorna and Tabby showed true compassion in a very traumatic time for us away from home. They are a true asset to your amazing team. Hopefully, we will be reinvesting funds with you soon. Your company is a true Guernsey 5* company.
Jenny & Tony
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Last updated: 29 June 2026
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Completing your application is a simple 3 step process. We are on hand at any point to explain things as well as answer any questions you may have.
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Your Questions, Answered
Our dedicated team can give you all the details to maximise your investment potential.
Do I get a better deal if I go direct to the bank for a buy-to-let mortgage?
No, the rates accessible through brokers for buy-to-let mortgages are identical to those offered directly by banks. Engaging a broker enables you to explore the same deals available from lenders.
Why should I use a broker instead of going direct to my bank for a buy-to-let mortgage?
With over 60 years of combined experience in mortgage lending, we’re equipped to recommend the most suitable buy-to-let mortgage product and rate for your circumstances. We provide access to a broad spectrum of lenders, ensuring you’re fully informed to make the right decision.
How much deposit do I need for a buy-to-let mortgage?
Typically, lenders require a larger deposit for buy-to-let mortgages, usually around 25% of the property’s purchase price. However, some may offer loans with a 20% deposit.
What are the fees involved in securing a buy-to-let mortgage?
We recommend having approximately 4% of the property’s purchase price available to cover fees associated with securing a buy-to-let mortgage, including arrangement fees, conveyancing costs, and valuation fees.
I’ve heard of LTV in buy-to-let mortgages, what does it mean?
LTV, or loan to value, indicates the proportion of the mortgage in relation to the property’s value. For a property valued at £500,000 with a £125,000 deposit, you’d require a £375,000 mortgage, equating to a 75% LTV.
Do I get better rates if I have a larger deposit for a buy-to-let mortgage?
Yes, generally, the larger your deposit, the more favourable the mortgage rates available to you. Lenders offer better terms for deposits that significantly reduce the LTV ratio, enhancing loan security.