Buy to Let Mortgage Advice in Brighton & Hove

Trusted, Whole-of-Market Advice for Landlords Across Nationwide

At The Lytle Group, we provide expert buy to let mortgage advice for landlords at every stage, from those purchasing their first rental property to experienced portfolio landlords managing complex investments.

As a family-run mortgage advisory firm with over 40 years’ experience, we take a long-term, relationship-led approach. Our advice is built around protecting your interests, supporting your financial goals, and helping you make confident decisions about your property investments.

Based in Brighton & Hove, we advise landlords across Sussex, the wider South East of England. & Nationwide

Buy to Let Mortgages – Clear, Expert Guidance

Buy to let mortgages are designed for property investors who intend to rent out residential or specialist property. These mortgages differ significantly from residential lending and require careful, informed advice, particularly as lender criteria, affordability rules, and taxation continue to evolve.

At The Lytle Group, we provide clear guidance on:

• Lender affordability and rental stress testing

• Deposit requirements and loan-to-value limits

• Interest-only vs repayment options

• Fixed, tracker, and variable rates

• Personal ownership vs limited company structures

  
  

We ensure every recommendation fits your wider financial position and long-term plans, not just the property itself.

Buy to Let Mortgage Services We Cover

As directly authorised, whole-of-market mortgage advisors, we can advise on a wide range of buy to let and specialist property finance solutions, including:

✔ Standard Buy to Let Mortgages

For individual landlords purchasing or refinancing residential rental property.

✔ Let to Buy

Helping homeowners rent out their current property while purchasing a new home.

✔ HMO Mortgages

Specialist advice for Houses in Multiple Occupation, including licensing and lender requirements.

✔ Holiday Let Mortgages

For furnished holiday lets, including properties intended for short-term or seasonal rental.

✔ Buy to Let Portfolio Mortgages

Strategic advice for landlords with multiple properties, including portfolio stress testing.

✔ Limited Company Buy to Let

Advising on mortgages held within SPVs and trading companies, including lender criteria and structure considerations.

✔ Multi-Unit Freehold Blocks (MUFBs)

Finance for properties containing multiple self-contained units under one title.

✔ Buy to Let for UK Expats

Supporting UK nationals living overseas who wish to invest or refinance UK property.

✔ Buy to Let Remortgages

Reviewing existing borrowing to secure competitive rates, release equity, or restructure borrowing.

✔ Buy to Let for Foreign Nationals

Specialist mortgage advice for non-UK residents investing in UK property.

Each case is different, and we take the time to understand your situation before recommending the most suitable solution.

First-Time Landlords

If you’re new to property investment, buy to let lending can feel complex, particularly as many lenders apply stricter criteria for first-time landlords.

We regularly help clients who are:

• Buying their first rental property

• Letting out a former residential home

• Exploring property investment for future income or retirement

We’ll explain:

• Your eligibility for buy to let lending

• How much you may be able to borrow

• Rental income requirements

• Costs, risks, and long-term considerations

  
  

Your initial conversation is no obligation, giving you the clarity you need before moving forward.

Portfolio Landlords & Professional Investors

For experienced landlords, mortgage advice needs to be strategic and forward-thinking.

We work closely with portfolio landlords to manage:

• Complex lender portfolio assessments

• Property concentration and exposure

• Long-term borrowing and refinancing strategy

• Personal vs limited company structures

  
  

Our focus is on helping you make joined-up decisions across your portfolio, not just arranging individual mortgages.

Whole-of-Market Buy to Let Advice You Can Trust

The Lytle Group is directly authorised and offers whole-of-market mortgage advice.

This means:

• We are not limited to a panel of lenders

• We research the market on your behalf

• We recommend mortgages based on suitability and long-term value, not sales targets

  
  

This independent approach has helped us build lasting relationships and a business grown through referrals and word of mouth.

Buy to Let Mortgage Advisors in Brighton, Hove & the South East

Whether you’re investing in Brighton, Hove, Lewes, Worthing, or elsewhere in the South East of England, our advice reflects both local property market conditions and your individual objectives.

Speak to a Buy to Let Mortgage Advisor

If you’re considering a buy to let mortgage or want to review your current arrangements, we invite you to speak with us.

Your initial conversation is friendly, confidential, and without obligation. We’ll listen first, answer your questions, and help you understand your options.

Contact The Lytle Group today to arrange a no-obligation chat with a trusted buy to let mortgage advisor.