Can a first-time landlord be considered?

Often, yes. Appetite varies by lender, and the borrower, deposit, property and rent still need to meet the lender’s criteria.

Does Charles Frank advise on personal versus limited company ownership?

Mortgage advice reflects the structure the client chooses, but legal and tax advice should come from a qualified professional before they commit to it.

What’s needed for a portfolio landlord?

A current property schedule with borrowing and rents, ownership details and the subject transaction. Exact requirements vary by lender.

How do I refer a buy-to-let case to Charles Frank?

Register for portal access, then submit the case through the portal. A specialist is notified on submission and you track the case through to completion.

Buy-to-let for introducers

Buy-to-let mortgages for introducers.

First-time landlords, growing portfolios, limited companies and specialist rental property, placed by specialists who read the rent and the portfolio together. Submit the case once and follow it in your portal through to completion.

Book a demo →

FCA authorisedSpecialist lender panelLending since 2011

What we need to look at a buy-to-let

Property, purchase price or value and expected monthly rent
Deposit and where it comes from
Personal or limited company ownership
Landlord experience and a current portfolio schedule
Applicant income, credit and existing commitments
Tenancy, licensing or planned works where relevant

Send it through your portal once you’re registered. A specialist is notified on submission.

Buy-to-let for introducers

When we can help

First-time landlord

A new investor needs clarity on deposit, rental assessment and which lenders will take them.

Portfolio growth

The new purchase has to work alongside existing properties, borrowing and overall cash flow.

Limited company borrowing

Ownership structure, directors, guarantees and the wider portfolio all shape the route.

Specialist property

HMOs, multi-unit blocks and other non-standard rental property need a lender with the right appetite.

Assessment

What we look at

Rental coverage: Expected or evidenced rent against the lender’s stress test and the proposed borrowing.
Landlord profile: Experience, income, home ownership and the existing portfolio.
Property: Type, condition, tenancy, licensing, location and valuation.
Ownership: Personal or company borrowing that matches the client’s chosen legal and tax structure.

How it works with Charles Frank

01
Submit it
Send the case through your portal by photo, document, voice or the form: the property, the rent, the deposit and the ownership structure.
02
We pick it up
A Charles Frank specialist is notified on submission, tests the rental case and comes back to you with what’s needed next.
03
Track it
Valuation, documents and lender questions stay visible in your portal through to completion and commission paid.

See how capture works →

Same day

acknowledgement

4 hours

to assessment

48 working hours

to commission after completion

Protected

your client relationship

We only advise on what you refer, and we never cross-sell. Your client stays yours.

Introducer questions

Buy-to-let: introducer questions

Can a first-time landlord be considered?: Often, yes. Appetite varies by lender, and the borrower, deposit, property and rent still need to meet the lender’s criteria.
Does Charles Frank advise on personal versus limited company ownership?: Mortgage advice reflects the structure the client chooses, but legal and tax advice should come from a qualified professional before they commit to it.
What’s needed for a portfolio landlord?: A current property schedule with borrowing and rents, ownership details and the subject transaction. Exact requirements vary by lender.
How do I refer a buy-to-let case to Charles Frank?: Register for portal access, then submit the case through the portal. A specialist is notified on submission and you track the case through to completion.

Your next buy-to-let case, submitted once and tracked to completion.

We only advise on what you refer, and we never cross-sell to your client. Register for portal access, or talk it through with Samantha Turner first.

Call 029 2167 0142 →

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Charles Frank Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 624668). Registered in England & Wales, company no. 07791769. Registered office: 89 Cardiff Road, Taffs Well, Cardiff CF15 7PL. ICO registration Z2962200. This page is intended for FCA‑authorised intermediaries and professional introducers, not retail clients.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.