Financing property investment

My Hero

Owning a property for investment purposes can provide you with an alternative income.

Although changes in tax legislation have made buy-to-let investing more of a challenge, a well-run property portfolio can still be lucrative.

Independent James can provide you with the financial and legal advice you need to maximise your profit potential, even in a tight rental market.

About buy-to-let mortgages

We offer an advice-based service that can help you source a buy-to-let (BTL) mortgage that fits in with your long-term plans; we also help you understand the implications of income tax changes and Stamp Duty increases.

Is buy to let still worth investing in?

There is still demand for well-run rental properties, particularly in London and the south east of England.

The increase in single occupancy and changing demographics - a younger more mobile workforce through education and immigration - means many younger people are renting for longer.

The tightening of mortgage lending criteria also means many younger people are having to wait longer before buying.

Should I invest in buy to let?

There are just over 2.6m private landlords in the UK so you can take some comfort in numbers.

It is still vital to take into account all expenses and possible interest rate rises.

We can assist you with any calculations to ensure you are not relying upon capital growth for profit.

Increasingly we have seen tighter underwriting in the investment property market, particularly on rental tests.

Find out whether you need a limited company for buy to let?

Setting up a limited company may be an option. We can help with this.

Traditionally buy to lets are not based on your personal income but this can sometimes be used to sway a lending decision your way and even obtain better interest rates.

Lenders are increasingly insistent on a minimum income requirement and some will even stress test your whole portfolio against your personal income.

If you are an ‘accidental landlord’ or inherited a property you may also be regarded as a consumer landlord. This can mean further scrutiny from lenders, which we can help with.

We use up-to-date technology to source the best deals. We also operate with a number of third-party providers to obtain exclusive deals and reduced fees for our clients.

About commercial mortgage lending

If we feel a commercial loan may be more appropriate for you we also have access to deals through long standing relationships with specialist lenders.

"They have a wealth of knowledge and expertise and have played a vital role in making my property business successful!"

Mr S Patel, London

Find out more by contacting us at Independent James. 


First-time buyers

Speed is of the essence in the purchase process and quite often can be a determinant factor for you in obtaining your dream property.



Is now the best time to remortgage? Mortgage interest rates are still historically very competitive and now may be the best time to assess...



Here at Independent James we can provide you with the right advice to maximise your profit potential in a tight rental market. It is well...



Offset Mortgages allow you to repay your mortgage in a more flexible manner. In essence, mortgage interest is not payable on the sum...



We realise the varied nature of your work, and more importantly working hours, can make the simplest of tasks difficult to...



In recent years there has been a shift towards people contracting, with the format allowing flexible working arrangements and often...


Second charge mortgages

As a result of the European Mortgage Directive (implemented on the 21st March 2016) to call ourselves ‘Independent’...



As our clients have grown with us and are looking at various forms of commercial funding, our expertise has also developed in these...


Green & Ethical Mortgages

With the energy crisis and global warming front and centre of people's minds, more banks and building societies are now...