Whether you’re investing in your very first rental property or you’re a seasoned landlord expanding your portfolio, getting the right buy-to-let mortgage is crucial to making your investment work harder.

At Tickford Mortgages, we offer specialist advice for landlords and investors across Newport Pagnell, Milton Keynes, and the rest of the UK. From one-off purchases to full portfolio strategies, we help you secure competitive buy-to-let mortgage solutions tailored to your goals.

As local mortgage experts, we understand that every property investment is unique — and so is every landlord. Whether you’re letting out a flat in Central Milton Keynes, a family home in Newport Pagnell, or managing a growing portfolio, we provide advice that’s aligned with your strategy and future plans.

We work with:

• 🏘️ First-time landlords entering the rental market
   
• 🏡 Homeowners turning existing homes into rental properties
   
• 🗂️ Portfolio landlords with multiple properties (in or out of a limited company)
   
• 🔁 Landlords looking to remortgage or raise capital
   
• 🏢 Limited company/SPV investors seeking tax-efficient mortgage structures
   

Buy-to-let mortgages work a little differently from residential ones. Typically, they’re assessed based on the rental income the property will generate, and most lenders will require:

• A minimum 25% deposit (some will consider 20% with the right circumstances)
   
• A good credit history and steady income (especially for personal applications)
   
• A rental income that meets or exceeds 125%–145% of the monthly mortgage payment, depending on your tax status
   

More and more landlords are choosing to buy investment properties through a Limited Company or Special Purpose Vehicle (SPV) for tax planning reasons — especially higher-rate taxpayers.

We’ll help you:

• Understand the benefits and drawbacks of using a Limited Company structure
   
• Access lenders that specialise in limited company buy-to-let mortgages
   
• Ensure your company is set up correctly to be accepted by mortgage providers
   
• Compare rates and products based on your rental yield and investment strategy
   

At Tickford Mortgages, we don’t just find you a mortgage — we help you build your buy-to-let business with confidence. Our services include:

• 📊 Affordability assessments based on rental yield, property type, and borrower status
   
• 🔍 Sourcing competitive buy-to-let and specialist lenders
   
• 💬 Advice on interest-only vs. repayment options
   
• 🔁 Remortgage & capital raise support for landlords looking to release equity
   
• 🏠 Guidance on HMOs, student lets, and multi-unit blocks
   
• 🏢 Support with personal vs. limited company ownership structures
   

Being based in Newport Pagnell, just outside Milton Keynes, gives us valuable insight into the local property and rental market. We understand:

• Which postcodes in Milton Keynes offer strong rental yields
   
• Which lenders are flexible with local build types and new developments
   
• What’s required to navigate lettings in conservation areas or selective licensing zones
   

Whether you’re buying in Newport pagnell, Milton Keynes, Woburn Sands, Stony Stratford, Olney, or beyond — we’ll tailor our recommendations to meet both your location and investment style.

Many landlords come to us for help with remortgaging existing rental properties, either to access a better rate or to release equity for another purchase. Whether your deal is ending or you're proactively reviewing your portfolio, we’ll help you:

• Compare the latest buy-to-let remortgage deals
   
• Decide whether to switch lender or stay with your current provider
   
• Capital raise for future property purchases or debt restructuring
   
• Navigate changes in lender criteria, stress testing, and tax regulation
   

Whether you’re just getting started or you’re already an established landlord, we’d love to support your next step. Book a free consultation with Tickford Mortgages today and let’s explore how we can help you grow your rental income the smart way.

📍 Supporting landlords across Newport Pagnell, Milton Keynes, Broughton, Brooklands, Wolverton, Olney, and beyond.
 

Your property may be repossessed if you do not keep up repayments on your mortgage.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.