Buy-to-Let Financial Advisor
Most people described as a buy-to-let financial advisor are mortgage brokers. Their income arrives when the loan completes. We are not brokers, we arrange nothing, and we are paid only for the analysis — which is why we are able to tell you that a purchase is not worth making.
A buy-to-let financial advisor looks at the investment, not the mortgage product: whether the purchase improves your overall financial position after tax, finance and risk. We are not brokers and earn no lender commission, so the advice can be that this purchase is not worth making.
Who this is for
- You are weighing a buy-to-let against other uses of the same capital
- You want the after-tax position modelled before you commit
- You have been quoted by a broker and want the investment case checked
Who it is not for
- You need a mortgage arranged — that is a broker, and we will say so
- You need regulated pension or investment product advice
What it costs: Fee-only. No lender, developer or agent commission.
Key facts
- Net return after finance, tax, management, maintenance and realistic voids
- Sensitivity to interest rates at renewal, not just the current product rate
- Whether personal or corporate ownership leaves you better off, with the numbers
- Opportunity cost against the other uses of the same capital
- What has to go wrong before the position becomes loss-making
Last reviewed by the Real Estate Investment Advisor advisory team. Fee-only advice — we take no commission from developers, agents or lenders.
What we actually assess
A buy-to-let only works if the numbers survive contact with higher rates, empty months and the tax treatment of your own position. We model each of those explicitly rather than quoting a headline yield.
- Net return after finance, tax, management, maintenance and realistic voids
- Sensitivity to interest rates at renewal, not just the current product rate
- Whether personal or corporate ownership leaves you better off, with the numbers
- Opportunity cost against the other uses of the same capital
- What has to go wrong before the position becomes loss-making
How the engagement runs
The work is scoped, fixed-fee and time-boxed. You know the cost and the timetable before anything starts.
- 1Scoping call — you describe the purchase, the funding and your tax position. Same week.
- 2Scope and fee confirmed in writing before any work begins. Within 48 hours.
- 3Modelling and evidence gathering — rents, costs, finance terms, tax treatment. Three to five working days.
- 4Written position delivered, with the downside case and the conditions that would change the answer.
- 5Follow-up call to challenge the conclusion and agree what you do next.
How this differs from a broker or a wealth adviser
The distinction is who pays, because that decides which answers are available to the adviser.
| Mortgage broker | Generic wealth adviser | Us | |
|---|---|---|---|
| Paid by | Lender commission or fee on completion | Product or percentage of assets | You, for the analysis |
| Can recommend you do nothing | Rarely — no completion, no fee | Sometimes | Yes, routinely |
| Assesses the property itself | No | No | Yes |
| Arranges the finance | Yes | No | No — we refer |
What we will not do
We do not arrange mortgages, sell property, take introducer fees or give regulated product advice. If what you need is a broker or an FCA-regulated financial adviser, we will say so on the first call rather than sell you an engagement.
Have the investment case tested before you commit
Send the property and the funding. We will tell you the scope, the fee and the timetable before any work starts.
Book a CallFrequently Asked Questions
Related decisions and advisory work
The questions investors usually resolve alongside this service.
Bring Clarity to the Decision
We act as an independent real estate investment advisor in the UK, helping investors assess risk before committing capital.
If you are weighing allocation, risk, or exposure and want a clear, reasoned view, an initial advisory discussion can help clarify how to proceed.