How We Helped a First-Time Landlord Secure Their First Buy-to-Let
The latest industry news and guides from Active Mortgages.
The latest industry news and guides from Active Mortgages.
Our client came to us as a first-time landlord with plans to purchase his very first buy-to-let property. While he had stable income from full-time employment, he had no prior experience as a homeowner or landlord. His goal was simple: get onto the property investment ladder with a small flat that could provide a reliable rental income and lay the groundwork for future growth.
First-time landlord – many lenders require prior property ownership.
⚠ Limited experience – no history of managing rental properties.
⚠ Smaller deposit – only had 20% available to invest.
⚠ Uncertainty – unsure which lenders would support a first-time landlord.
We sourced a specialist lender that was open to first-time landlords, offering products tailored to those looking to enter the investment market.
We recommended a:
✔ 5-year fixed buy-to-let product for long-term stability.
✔ Lender that accepted a 20% deposit despite the client’s lack of property history.
✔ Deal structured around projected rental income to meet affordability criteria.
This approach allowed Jake to move forward with confidence, knowing his first step into property investing was fully supported.
✔ Buy-to-let mortgage secured with only a 20% deposit.
✔ First investment property purchased with no delays.
✔ Long-term fixed rate in place to protect against interest rate changes.
✔ A clear path set for future property investments.
This case proves that you don’t need to be a homeowner to get started in property investment. By working with the right broker, even first-time landlords can access competitive rates and smart strategies that traditional lenders may overlook.
“I thought I’d need to wait and save more – but Active Mortgages made it possible with what I had.”
✔ Specialist lenders do exist for first-time landlords – the key is knowing where to look.
✔ A 20% deposit may be enough, even without landlord experience.
✔ The right advice can turn uncertainty into action – and your first property into your first success.
Book a call with one of our team to talk about your requirements.
