Published 15 April 2025 · Last reviewed 1 May 2026
Our Free Mortgage Advice for Buy to Let Portfolio Landlords includes a comprehensive review of your mortgage finances.
At Niche Advice, we’re proud to introduce our Free Mortgage Advice for Buy-to-Let Portfolio Landlord offering, which has been designed specifically for large buy-to-let landlords with ten or more properties.
If you’re managing a sizable portfolio as a professional landlord, it makes sense to engage with Niche Advice for free mortgage guidance rather than have to pay for your advice and strategic planning. But don’t feel excluded if you have less than 10 buy-to-lets but more than 4 we will can always discuss a customised pricing structure.
Eligibility for Free Mortgage Advice for Buy to Let Portfolio Landlords
- Professional landlords with 10 or more mortgage properties. This can include your home.
Why Choose Niche Advice over other Buy to Let Mortgage Brokers
- Whole of market: We do not have a set panel, so we can access all lenders that operate in the intermediary market to provide the best free mortgage advice for your portfolio.
- No large call centres – direct advice from the Owners.
- Operating in the complex buy-to-let field for over 16 years.
- Assistance to nurture and grow your portfolio.
- Regular social media posts and information on trends and products.
- From vanilla lets to multiple unit buildings, HMOs, mixed use (including owner occupied), commercials and AirBnb.
- All tenancy types are considered, such as service accommodation, students, vulnerable tenants and assisted living.
- Property conversions from light to heavy refurbishment. Within permitted development rights and full planning permission.
- Auction purchases.
- One stop shop: Bridging and development loans, with the ability to finance the exits for landlords looking for free mortgage advice for buy-to-let portfolios.
- Ex Pats and Foreign nationals.
- Lease extensions.
- Products that work off “Market Value Rents”. Ideal for long-standing tenants on low tenancy rates.
- Layered Limited Company structures.
- Remortgage lenders that do not require details of the onward purchase.
- State-of-the-art system which ensures secure document exchange and renewal dates aren’t missed. This is part of why you should consider our free mortgage advice service.
What We Promise
- No Broker Fees— Yes, it’s totally Free Mortgage Advice for Buy-to-Let Portfolio Landlords. We’re waiving our broker fees for all portfolio landlords with ten properties or more.
- To obtain the best Rental Income Calculations
With portfolio landlords, rental stress tests can become complicated—especially with mixed-use properties or HMOs. We work closely with lenders to ensure accurate rental coverage calculations that reflect the true earning potential of your assets. - Assess your Mortgage Eligibility thoroughly to ensure you meet the Lending Criteria.
Whether you’re dealing with standard buy-to-let, HMOs, holiday lets, or semi-commercial properties, we’ll help you navigate lender criteria. We will adequately review your experience levels, income sources, debt exposure and property. - Portfolio Refinance Strategy
Timing is everything. We’ll help you prepare for your next purchase by releasing equity from the portfolio quickly so you can effectively become “cash buyers”.
Growing Trends in 2025: What We’re Seeing at Niche Advice
It’s mainly about the re-purposing of assets to obtain the maximum rental yields.
- HMO Conversions on the Rise
We’re seeing more clients take on projects such as converting a large three-bedroom house and changing it into a six-bedroom HMO with en-suites, or even bigger projects like 20-bedroom HMOs. Our large lender panel has enabled us to cater for all. - Mixed-use Semi-Commercial to Residential Conversions
Another emerging trend is landlords converting semi-commercial units back into residential dwellings. This has opened up new refinancing routes and often increases both rental income and resale value. We’ve helped numerous landlords structure these complex deals and secure finance, even where high street lenders fell short when seeking free mortgage advice for a buy-to-let portfolio. - Uptake in our Limited Company “Fee Assisted Legals” product.
The legal costs of even remortgaging standard limited company buy-to-lets have risen, so our “fee assisted legals” product has proved popular. Also, if you submit more than one property at the time, there is the benefit of an interest rate reduction and sharing of rental yields.
Lets book a Call.
Contact us today to schedule a free portfolio review with one of our experienced advisers. Let’s explore how you can leverage your existing properties to grow smarter, not harder, by taking advantage of our Free Mortgage Advice for Buy to Let Portfolio Landlords.