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Buy-to-let mortgages

Buy-to-let mortgages arise when you don’t intend on occupying the property yourself, but want to let it out to a tenant. In other words, you hope that the rental income will exceed the mortgage repayments. 

We use the following approach to source the best mortgages for our clients:

  1. Understand the factors relevant to the borrower
  2. Agree on the criteria of the transaction
  3. Research the best deals in the market that meet these criteria

We will allocate one of our mortgage advisers to you to conduct the research. Your mortgage adviser will work closely with you to agree upon a set of search criteria, after which a detailed search of the market will be conducted to find you the best mortgage.

The advice that you receive

Our advice will come in the form of a written report setting out the various options available to you. This report will highlight:

  1. All repayment options
  2. The pros and cons of each option
  3. A final recommendation
View an example of one of our client reports.

Our research models

We use two models for our buy-to-let mortgage research:

  1. Standard
  2. Non-standard

Although our research is chargeable, we try to ensure that we don’t do chargeable work if results are unlikely. If we think your mortgage will not be approved at this time, we will inform you at no charge and suggest that we rather conduct the research at a later stage. In some cases, we cannot confirm whether the mortgage will be approved without performing the research. In these cases, we will inform you before we begin the research, giving you the option to proceed or not. 

1. Standard cases

“Standard” cases are those cases where:

  • You (as the borrower) have Indefinite Leave to Remain (ILR) in the UK or possess a British or EEA passport

  • You are employed or, if self-employed, have two years’ tax returns that fit the borrowing requirement

  • The loan-to-value (the mortgage as a percent of the property value) is 80% or less

In these circumstances, you are likely to fall within the lending policies of most lenders; this allows us to conduct the research without needing to make special arrangements with any lender. 

We will provide you with a range of deals that best meet your criteria and advise you on the best options going forward. 

2. Non-standard cases

A “non-standard” case arises where:

  • You (as the borrower) are not a British passport holder and do not hold ILR
  • Your earnings cannot be backed up by two years' P60 employment income in the UK
  • The proposed mortgage amount exceeds your annual employment income
  • You are a contractor using a limited company and/or umbrella company structure
  • The loan-to-value (the mortgage as a percent of the property value) is more than 80%
  • You are purchasing a shared ownership property
  • The proposed mortgage is greater than £1,000,000
  • You are not a resident in the UK

The "non-standard" route will be necessary where a case falls outside of standard lending policy. In these cases, we are required to spend additional time researching your options and arguing your case with underwriters.

Our fees

We may need to charge you a fee if we incur significant time researching your options. If this is the case, we will clearly communicate this to you. This will be the only fee you pay us, as the lender will pay us a success fee on completion.

If the lender success fee is below £750, we will ask you to pay the difference as a brokerage fee payable on issue of the mortgage offer. For example: A £200,000 loan would have a success fee of approximately £680; £680 is £70 below the £750 lender success fee. We would therefore ask you to pay a brokerage fee of £70 on issue of the mortgage offer.


South Africa

Cape Town

Regent Square
Doncaster Road
Kenilworth 7708 +27 (0) 21 657 2120


25 Richefond Circle
Umhlanga 4320 +27 (0) 31 536 8843

United Kingdom


Castlewood House
77/91 New Oxford Street
WC1A 1DG +44 (0) 20 7759 7514


5-7 Selsdon Road
South Croydon
CR2 6PU +44 (0) 20 7759 7581



9 Yarra Street
South Yarra
VIC 3141 +613 (0) 8651 4500

Sable International is a trading name of 1st Contact Money Limited (company number 07070528), registered in England and Wales. We are authorised and regulated by the Financial Conduct Authority in the UK (FCA no. 517570), the Financial Services Conduct Authority in South Africa (1st Contact Money [PTY] Ltd - FSP no. 41900) and hold an Australian Financial Services License issued by ASIC to deal in foreign exchange (1st Contact Group - AFS License number 335 126).

Our United Kingdom business, Sable Private Wealth Management Ltd, is authorised and regulated by the Financial Conduct Authority. Our Companies House registration number is 222501. Our authorisation can be checked on the FCA register here: Our South African business, Sable Private Wealth (Pty) Ltd, is an authorised FSP, regulated by the Financial Services Conduct Authority under licence number 48122.

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