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Buy to Let mortgage specialists.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

A buy to let property is an investment made by an individual landlord, limited company or a business and rented out to generate an income. Like any investment, there is a lot to consider when taking out a buy to let mortgage and our team of expert mortgage advisers are on hand to guide you every step of the way.

As a buy to let mortgage is used to buy a property you will not be living in, there are some differences between these and standard residential mortgages:

The lending criteria differs for buy to let mortgages and instead of being based on income, the amount you can borrow is linked to how much rent the property can generate.
Once your mortgage is approved, the property can be rented out to tenants.
Higher interest rates are common on buy to let mortgages compared to standard products.
Buy to let mortgages often require a higher deposit, with levels of 20% or above typical.
Arrangement fees are sometimes calculated as a percentage of the loan amount rather than a flat fee.
Buy to let mortgages are often offered on an interest-only basis, meaning the capital borrowed is only paid back at the end of the loan term.

Local. Experienced. Trusted.

Specialising in helping clients with mortgages in Harpenden, Luton and across Herts, Beds & Bucks, we have developed an enviable reputation for delivering outstanding outcomes for our customers.

Our commitment to unrivalled service and ability to build strong connections promotes a true collaborative approach which we bring to every interaction.

Taking the time to understand our clients and their needs enables us to tailor the advice we give and help select the perfect product. We have access to the most competitive rates on the market and the expertise to find the right solution for you.

Call us today on 01582 455592

Securing your buy to let mortgage

We invest the time to understand your financial goals and commitments, going to the market to secure the best buy to let offers available to help you start or develop your portfolio. Our advisers ensure costs and charges such as insurance and maintenance have been considered and will help complete the documentation required by lenders to secure an offer.

Our team have extensive experience helping clients obtain buy to let mortgages, advising on the risks and uncertainty sometimes overlooked. Landlords often expect repayments to be met by rental income, but there be times when the property is empty, or there are other issues with collecting rent from tenants. These reasons are why lender’s view buy to let customers as higher risk and charge higher fees.

We give clients the full picture, advising them on all areas of buy to let mortgages to ensure they make the right choice to match their aspirations and their budget.

Get in touch today to discuss your buy to let mortgage by calling us on 01582 455592 or sending an e-mail to gerry@sextonfinancialservices.co.uk

Effective and Efficient

Gerry and the team at Sexton Financial Services have been absolutely fantastic! We have just remortgaged which can be very stressful as a self employed couple but everyone in Gerry’s team has been professional, friendly and very efficient. We were shocked how quickly the team work. Gerry is very knowledgeable and it’s obvious he really cares about his clients. He was always happy to personally take our calls and answer any questions we had.

My husband and I had a negative experience with a different company 5 years ago who took weeks to respond to emails and often just ignored our calls. They made the whole mortgage process even more stressful. We just felt like a number to them.

Gerry and his team were the complete opposite. They are so on the ball with everything, they were always happy to help. It was such a pleasant experience, we will certainly be coming back here for any other financial services going forward.

Thank you Gerry and team 😊

Chelsea and Brendan Fields

I can't recommend Gerry and the team highly enough! From the very first call, they took the time to truly understand our individual needs. The advice has been clear, and always tailored to our specific situation. The team have been super responsive to any of my queries along the way. If you're looking for someone knowledgeable, trustworthy, and genuinely committed to helping you, I highly recommend reaching out. It's one of the best decisions I've made.

Colum Boland, May 2025

Great fast service.

David Hawkins, May 2025

I'd leave 6* if I could! My second mortgage with Sexton and I can not explain how easy the process is, an amazing admin team around, communication is awesome and so delighted with the product we were able to fine! Will always recommend to friends and family.

Aaron, February 2025

Amazing company! Really took the stress out of buying our first home and were there every step of the way. They didn't mind answering any questions I had and did so with such kindness and patience, being a first time buyer, I was clueless! They found the best deal for us, and kept checking the market ensuring we got the best rate before completing. I honestly cannot recommend them enough. Friendly, knowledgeable, patient and had the perfect personal touch. Thank you, guys

Kirsty Smith, February 2025

I was recommended to use Sexton Financial Services as a mortgage broker through a friend. Throughout the entire process i found the team to be extremely attentive, proactive and responsive. This being my first time taking out a mortgage i had many questions that were all explained to me very clearly. I felt the team were driven to get me the best product possible and i am confident we managed to find the best deal available. I would like thank Gerry, Kirstie and Natasha for their help and I will be passing on the good word if anyone were to ask me for a recommendation.

Robert, February 2025

If you'd like to learn more about us and services we provide, please get in touch with our friendly team today on 01582 455592 or fill out the form below and we will get in touch:

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements'.

Unit 16, Thrales End, Harpenden, AL5 3NS Call: 01582 455592 Email: gerry@sextonfinancialservices.co.uk

Fees

Mortgages

For our mortgage advice services we will charge a fee of £399.
If you make any amendments once you have received your offer, we will charge an additional £25 to cover our administration costs.
For our buy- to- let mortgage advice services for an individual we will charge a fee of £399 & £450 for a Limited Company.

Mortgage Product Transfer

For our mortgage product transfer advice services we will charge a fee of £90.00

Mortgage advice – payment due at the time of the formal offer
Amendments – payment is due at the time the amendment is made
Buy to let mortgages – payment is due at the time of the formal offer
Product Transfers – payment is due at the time of formal offer

Complaints Procedure

Please click here to view out complaints procedure.

Regulatory Information

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Sexton Financial Services Ltd, registered in England and Wales at Unit 16, Thrales End, Harpenden, AL5 3NS (number 10519945). Sexton Financial Services Ltd. is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd. which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let. This website does not collate Cookie data.

Call:01582 455592

Email: gerry@sextonfinancialservices.co.uk