The mortgage and insurance experts

Buy to let mortgage deals
get specialist advice

SoSmart Money are here to help you find the right mortgage

We will search our panel of brokers to find the right one for you

01244 264 866 †

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Everything you need for your mortgage

Expert mortgage advice Credit report Stamp duty calculator How much can you borrow I have adverse credit Mortgage guides

Why compare buy to let mortgages?

Whilst the number of lenders offering buy to let mortgages is a lot lower than a few years ago, there is still a wide range of products available and finding the right one for you can be time consuming and complex.

Buying a property to rent out is not straightforward and there are a lot less products available than was the case a few years ago. Use our simple guides for hints and tips on how to find a good deal on your buy-to-let mortgage.

Review your mortgage deal

As with a normal residential mortgage you should review your mortgage arrangements on a regular basis - this could save you thousands and help manage your finances. Charges for buy-to-let mortgages are normally higher than those for your own use. Lenders will calculate how much they are prepared to lend by taking into account how much rent the property will produce.

Useful tools and calculators

BTL Stamp duty calculator

Check how much stamp duty you will need to pay

Borrow calculator

Estimate how much you can borrow based on your income. If single, enter 0 in second persons income

LTV calculator

Calculate the loan to value that you need

Credit report

We have teamed up with UKcreditrating.co.uk, who will provide you with your credit report, gain instant access.

Get your report

Need help, read our guides

We have a large range of mortgage guides to help you find the information you require

Read guides

How can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

trust pilot

"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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So you have adverse credit

Don't worry we can still help, simply follow the steps below

1

Get a copy of your fill from Uk Credit Rating using their FREE* service.

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2

Then get in touch with us and let us know your score, good or bad!

Call 01244 950 304

or

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3

We'll then search for a lender who will be suitable for you.

Using your credit score allows us to apply for products you're more likely to be accepted for.

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