Three-time Prestige Award winner
Buy To Let Mortgage Dundee
Independent, whole-of-market advice for landlords and property investors in Dundee and the wider Tayside area. We'll help you work out what's realistic, compare the lenders that fit your case and give you a clear plan for what comes next.
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 Dundee
A straightforward route to your next Dundee investment.
Securing a buy to let mortgage is about more than picking a rate. The property, the rent it can realistically achieve, your deposit, your income and your longer-term goals all play a part in which lenders will consider your application.
We help first-time landlords, experienced portfolio owners and investors looking at flats, family houses and limited-company purchases. We aim to make each decision easier to understand, show you where the risks sit and manage the detail once you're ready to proceed.
Buying in Scotland
What should Dundee landlords watch for?
The local property mix and the Scottish purchase process throw up questions that a basic mortgage calculator can't answer. Here are the three areas we review before suggesting a route.
The Home Report carries weight
Every Scottish sale comes with a Home Report that includes a surveyor's valuation and details about the property, and lenders pay close attention to it. We'll help you see how the valuation compares with your offer and the loan you need.
Tenement flats can shape your options
Dundee has a lot of tenement-style flats, and questions about shared roofs, factoring arrangements, traditional construction and overall building condition can change how keen a lender is. Finding the right lender often counts for more than chasing the lowest advertised rate.
Build the Scottish costs into your budget
Land and Buildings Transaction Tax, including any supplement for additional properties, plus legal fees, surveys, insurance and any landlord or company set-up costs, should all be accounted for. We'll help you identify the mortgage-related costs from the outset.
How it works
From your first call to the front door
Good advice should leave your next step feeling obvious. We keep the process organised, explain each decision in plain English and stay involved during the stages that tend to slow things down.
Talk through the plan
Tell us about the property you'd like to buy, how you plan to fund the deposit and whether you already have rental properties.
Check the numbers
We go over your income, expected rent, deposit and existing commitments to set a realistic Dundee budget.
Compare the market
From high-street lenders to specialist providers, we find the mortgage route that suits your circumstances.
Prepare the application
We help you gather the paperwork, explain what the lender is asking and submit a clear, complete case.
Keep things moving
We stay in touch with the lender, solicitor and valuer until your mortgage completes.
Why Us
Why choose Prestige Mortgage Solutions?
Specialist advice, without the fuss.
Our aim is to give you more value than the average mortgage broker, with the experience and attention to detail that a property investment deserves.
01
Whole-of-market access
From well-known high-street lenders to niche specialists, matched to your case instead of a generic shortlist.
02
Clear, human guidance
No 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 call for a more careful approach.
04
A thorough process
We speak to everyone involved, keep the paperwork moving and leave no stone unturned.
Local knowledge
Dundee areas where we help landlords.
From tenement flats in the West End and Hilltown to houses in Broughty Ferry and Downfield, we help clients across Dundee and the surrounding area, as well as the whole of the UK.
⚲West End ⚲Perth Road ⚲Broughty Ferry ⚲Lochee ⚲Stobswell ⚲Hilltown ⚲Downfield ⚲Menzieshill ⚲Barnhill ⚲Invergowrie ⚲Monifieth ⚲Carnoustie ⚲Newport-on-Tay ⚲Wormit ⚲Tayport ⚲Liff
Not listed? Call us — we cover the whole of the UK
What our Clients say:
"Most professional financial service ive used, chris was efficient and wasted no time in getting me a deal i didnt think was possible shaving 3 years off my mortgage at no extra monthly cost, first class and definitely will use again, thanks again "
"Highly efficient and Professional, Thank you Sian will always pass your details onto friends and clients.."
"Sian answered all of our questions no matter how silly they sounded to us she always reassured us they were normal for first time buyers! I've known Sian for years and naturally was my first choice to go to for a mortgage when I went to look for one"
FAQs
Buy to let questions, answered.
What deposit do I need for a buy to let mortgage in Dundee?
Many buy to let lenders look for a deposit of at least 20 to 25%, though the right figure depends on the property, the projected rent, your income and the lender's criteria. A larger deposit can open up a wider choice of products. We'll go through the trade-offs with you before you apply.
How does the rent affect what I can borrow?
Lenders typically test the expected rent against the mortgage payment using an interest coverage calculation. The exact stress rate and coverage ratio differ from lender to lender, and also depend on whether you own the property personally or through a limited company. We'll work through the numbers with you rather than relying on a headline rate.
Can I take out a buy to let mortgage through a limited company?
Potentially, yes. Some landlords prefer a limited company structure for their investments, but lender choice, personal guarantees, tax and legal costs all need careful 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 depend on how the whole picture is presented and which lender is comfortable with it.
Can I buy a tenement flat in Dundee to rent out?
In many cases, yes. Lenders may ask about the building's construction, factoring arrangements, roof responsibilities and the Home Report. We'll help you pinpoint the details that could affect a lender's appetite before you make an offer.
Do you charge a fee for mortgage advice?
We'll explain any advice or lender fees that apply before you go ahead. Your first conversation is free with no obligation, so you can understand your options before deciding what to do next.
Ready to talk property?
Let’s make your next move clearer.
Tell us a bit about the property you're considering and we'll help you understand the mortgage options open to you. No pressure and no obligation, just a helpful first conversation.