Prestige Award winner, three years in a row
Buy To Let Mortgage Aberdeen
Whole-of-market advice for landlords and property investors in Aberdeen and across Aberdeenshire. We'll help you see what's achievable, compare the lenders that suit your case and set out a clear plan for moving ahead.
Free initial consultation, no obligation
20–25%
3X
Prestige Award winner, three years running
£0
Initial consultation is FREE with no obligation
FCA
Appointed representative.
Buy to let in Aberdeen
Your clear path to the next Aberdeen rental property.
A buy to let mortgage involves far more than choosing a rate. The property itself, the rent it could bring in, your deposit, your income and your wider plans all influence which lenders will take your case on.
We work with first-time landlords, seasoned portfolio owners and investors considering flats, family houses and purchases through a limited company. Our job is to make each decision easier to follow, show you where the risks lie and take care of the detail once you're ready to go ahead.
Buying in Scotland
What makes an Aberdeen buy to let different?
Local property types and the Scottish buying process can raise questions that a standard mortgage calculator won't answer. These are the three things we check before recommending a route.
Why the Home Report counts
In Scotland the seller provides a Home Report containing a surveyor's valuation and property details, which lenders rely on. We'll help you understand how the valuation compares with your offer and the amount you plan to borrow.
Granite flats and shared buildings
Older flats in Aberdeen can bring questions about shared roofs, factoring arrangements, traditional granite construction and general building condition. These points can change how willing a lender is to take the property on, and choosing the right lender often matters more than the most eye-catching rate.
Plan for the Scottish costs
Land and Buildings Transaction Tax, including any supplement that applies to additional properties, along with legal fees, surveys, insurance and any landlord or company set-up costs, should all be in your budget. We'll help you spot the mortgage-related costs early.
How it works
From first chat to getting the keys
Good advice should make your next step feel obvious. We keep the process organised, explain each decision in plain English and stay involved through the stages that tend to cause delays.
Talk through the plan
Tell us what you'd like to buy, how you'll fund the deposit and whether you already own any rental property.
Check the numbers
We look at your income, expected rent, deposit and existing commitments to set a realistic Aberdeen budget.
Compare the market
From high-street lenders to specialist providers, we find the mortgage route that fits your situation.
Prepare the application
We help gather the documents, explain what the lender is asking and submit a clear, complete case.
Keep things moving
We stay in close contact with the lender, solicitor and valuer until your mortgage completes.
Why Us
Why choose Prestige Mortgage Solutions?
Specialist advice, minus the hassle.
We aim to give you more value than the typical mortgage broker, with the experience and attention to detail a property investment deserves.
01
Whole-of-market access
From major high-street names to niche specialists, matched to your case rather than a generic shortlist.
02
Clear, human guidance
No wall of jargon. We explain the figures, the lender's questions and what each choice means for you.
03
Complex cases welcome
Self-employed income, portfolio landlords, adverse credit and limited-company plans can all need a more careful approach.
04
A thorough process
We speak to everyone involved, keep the paperwork moving and leave no stone unturned.
Local knowledge
Aberdeen areas where we help landlords.
From granite flats in Ferryhill and Rosemount to family homes in Cults and Bridge of Don, we help clients across Aberdeen and the surrounding area, as well as the whole of the UK.
⚲Ferryhill ⚲Rosemount ⚲Old Aberdeen ⚲Torry ⚲Cove Bay ⚲Cults ⚲Bieldside ⚲Mannofield ⚲Bridge of Don ⚲Dyce ⚲Kingswells ⚲Westhill ⚲Portlethen ⚲Stonehaven ⚲Ellon ⚲Inverurie ⚲Peterculter
Not listed? Call us — we cover the whole of the UK
What our Clients say:
"I have no words to express how helpful Chris has been throughout my first home buying process.He knows what he is doing and once he is assigned the job you need no worry.From lenders to sellers you don’t have to worry about anything.I can’t thank him enough for what he did for us...."
"The Impossible Made Possible Chris was fast & efficient in responding to all questions I had , whether it was by email or phone call.Excellent experience from start to completion.
If he couldn't take the call when I initially rang, he would reply ASAP ,which is not always the case with some companies."
"We got our mortgage through Sian in April 22 when we were moving house. Sian was very thorough & checked a number of different lenders to get us the best deal. Everything was straight forward & she was in constant communication with us advising us of proof required & what stage our application was at...."
FAQs
Buy to let questions, answered.
How much deposit will I need for a buy to let mortgage in Aberdeen?
Many buy to let lenders ask for a deposit of at least 20 to 25%, although the right amount depends on the property, the projected rent, your income and the lender's criteria. A bigger deposit can widen the range of products open to you. We'll explain the trade-offs before you apply.
How does the rent affect what I can borrow?
Lenders usually test the expected rent against the mortgage payment using an interest coverage calculation. The exact stress rate and coverage ratio differ between lenders, and depend on whether you own the property personally or through a limited company. We'll go through the figures with you instead of relying on a headline rate.
Can I get a buy to let mortgage through a limited company?
Potentially, yes. Some landlords choose a limited company structure for their investments, but lender choice, personal guarantees, tax and legal costs all need thought. We can compare the mortgage options and help you recognise when specialist advice may also be needed.
Can you help portfolio landlords and self-employed applicants?
Yes. We can look at your existing properties, current borrowing, rental income, company accounts and personal income together. Complex cases often turn on how the full picture is presented and which lender is comfortable with it.
Can I buy a granite flat in Aberdeen as a rental property?
In many cases, yes. Lenders may ask about the building's construction, factoring arrangements, roof responsibilities and the Home Report. We'll help you pick out the details that could affect a lender's appetite before you make an offer.
Do you charge for your mortgage advice?
We'll explain any advice or lender fees that apply before you go ahead. Your first conversation is free and carries no obligation, so you can understand your options before deciding what to do next.
Ready to talk property?
Let's make your next step clearer.
Tell us a little about the property you have in mind and we'll help you understand your mortgage options. No pressure and no obligation, just a useful first conversation.