Specialist Buy to Let Mortgage Advisors Serving Liverpool and Merseyside
Whether you’re buying your first rental property or expanding your portfolio, Revolution Financial Services provides expert buy-to-let mortgage advice across Liverpool. We understand the local rental market and work with lenders who offer competitive rates for landlords.
Based in Wirral and Merseyside, we serve landlords across Liverpool. With over 50 years of combined experience and whole of market access, our FCA-regulated advisors help first-time landlords and experienced investors secure the right buy-to-let mortgage.
Book your free initial consultation today.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy-to-let mortgages work differently from residential mortgages. Lenders assess applications based on rental income rather than salary, and criteria vary significantly between lenders.
As specialist buy-to-let mortgage brokers in Liverpool, we access specialist landlord lenders, navigate complex portfolio and HMO criteria, and know which lenders use the most favourable rental calculations to maximise your borrowing.
We guide you through deposit levels, rental coverage calculations, tax implications and lender criteria.
Own four or more mortgaged properties? We know which lenders support portfolio growth.
We work with lenders offering competitive limited company mortgages for tax efficiency.
We work with lenders who understand Liverpool’s HMO market and licensing requirements.
Switch for better rates or release equity for further purchases.
Deposit – Most lenders require a deposit of 25%, though some accept 20%. Limited company purchases often need 25 to 30%.
Rental Coverage – Lenders require monthly rent to be 125 to 145% of the monthly mortgage payment. We know which lenders use favourable calculations.
Personal Income – Many lenders require a minimum personal income of £25,000, though some do not.
We support landlord purchases across Liverpool’s key investment areas, including
We discuss your purchase and circumstances in complete confidence.
We hand-select lenders whose criteria and approach match your circumstances.
We prepare comprehensive applications presenting your income and assets clearly.
Direct access to your advisor throughout. We manage lender, valuer and solicitor relationships.
We were so happy with the advice Brendan gave us!
Very accessible and made the process smoother!
We both were delighted with Brendan’s services and would highly recommend him!
Nothing was too much, all questions were answered within 10 minutes of us sending a message! Absolutely brilliant! No issues at all, I would highly recommend!
Would put Brendan’s name forward to anyone who mentions needing a financial advisor. Made everything smooth and seamless.
Our financial advisor was really helpful throughout our buy process and we would definitely recommend him to any we know that is planning on buying a house.
Brendan was excellent whilst helping myself and partner get a mortgage. He always seems to find a way round any complications no matter what they are. I always recommend him to anyone trying to buy a home or remortgage
We cannot thank you enough for everything you have done with this process. You have been excellent and we will be sure to recommend you to all of our friends.
Typically 25%, though some lenders accept 20% for first-time landlords. Limited company purchases often require 25 to 30%.
Lenders typically require rent to cover 125 to 145% of the monthly mortgage payment at a stressed rate.
Yes. Several lenders accept first-time landlords, though criteria is stricter. We’ll guide you through the requirements.
It depends on your tax position and strategy. We can refer you to specialist tax advisors if needed.
Yes, lenders require buildings insurance. We recommend comprehensive cover including liability and rent guarantee.
Ready to speak to a specialist buy-to-let mortgage broker in Liverpool? We offer a free initial consultation.
Call us: 0330 133 3071
Email: enquiries@revolutionfs.co.uk
Or fill out our contact form and we’ll be in touch within 24 hours on business days.
Revolution Financial Services is an independent, FCA-regulated mortgage and financial advice firm based in Wirral and Liverpool. Revolution Financial Services Ltd is an appointed representative of Sense Network Ltd, which is authorised and regulated by the Financial Conduct Authority.
With over 50 years of combined experience, our advisors understand the unique challenges buy-to-let landlords face and know which lenders may support your application.