Which options can you consider?
Ask about the range of lenders and products the adviser can assess, any restrictions, and whether a product you have found directly is outside that range. Do not assume “whole of market” means every deal.
Choosing a mortgage for a London rental property takes more than comparing an interest rate. Tell us what you plan to buy or remortgage, and we can help you identify the property and lending questions worth resolving before an application.
Count Ready advises by phone and online across the UK. We do not have a walk-in London branch. Our initial mortgage evaluation has no fee; we explain any later fees before chargeable work.
A broker helps you assess mortgage options for a property you intend to let, explains relevant lender criteria and costs, and supports an application if you decide to proceed. The lender still decides whether to offer a mortgage after checking you, the rent and the property.
For the lending and property checks themselves, use our separate London buy-to-let mortgage guide. This page is about choosing and working with an adviser.
Use the first conversation to find out whether the adviser can help with your actual property and circumstances. These questions are more useful than a claim about a lender count.
Ask about the range of lenders and products the adviser can assess, any restrictions, and whether a product you have found directly is outside that range. Do not assume “whole of market” means every deal.
Describe the flat or house, lease, building, proposed tenancy and expected rent. Ask what must be confirmed by a valuer, solicitor or council before you commit.
Ask when any broker fee becomes payable, whether the lender pays commission, and how product, valuation and legal costs affect the comparison. Get the applicable terms before chargeable work.
Find out who will update you, how documents should be sent and what happens if the lender's valuation or rental figure differs from your estimate.
A first rental, a company purchase, an HMO, a studio or a previous decline may change the route. Ask the adviser to explain the unresolved issue rather than promise an approval.
Check the firm's identity and the scope of its activities. The FCA explains how to check a firm and why consumer buy-to-let differs from other buy-to-let lending.
Are you buying, refinancing, changing ownership or responding to a decline? Give us the London property's address or postcode, price or value, likely rent and intended use.
We talk through the property, your circumstances and the criteria we can consider. We identify where a solicitor, valuer, council or tax adviser must give a separate answer.
We explain the available route, relevant costs and information needed before chargeable work. If you ask us to apply, the lender carries out its own assessment and makes the decision.
Our website footer gives Count Ready Limited's appointed representative details and a link to the FCA register entry. The regulatory treatment of a buy-to-let enquiry depends on the arrangement; ask us to explain the scope that applies to yours.
The exact evidence needed depends on the lender and case. We can discuss that after the initial outline. Please do not send bank statements, identity documents or detailed financial records through the callback form.
No. You can approach lenders directly where their products permit it. A broker can help compare the options they are able to consider, explain criteria and manage an application. Ask about the scope and cost of the service before choosing.
Count Ready has no walk-in London branch. We work with London property enquiries by phone and online. Face-to-face meetings may be possible by arrangement in some circumstances; ask when you contact us.
Our initial mortgage evaluation has no fee. If you proceed, we explain and agree any applicable fees before chargeable work. The Terms of Business set out the published charges and how lender commission works.
We can discuss the stated reason and whether a different route is worth investigating. A decline may relate to the applicant, the rent, the property or the intended let. Another application is not automatically appropriate, and advice cannot guarantee acceptance.
We can flag mortgage questions about the lease, building and proposed tenancy. Your solicitor should check the lease and legal position, and the council should confirm any licensing or planning requirements for the address. Mortgage advice does not replace those checks.
A short outline is enough: property address or postcode, purchase or remortgage purpose, expected rent, intended let and your timescale. Wait for a secure document route before sending identity or financial evidence.
Whether you are comparing brokers or already have a property in mind, start with the decision you need to make. We will explain what can be assessed now and what must wait for lender, valuation or legal checks.
Reviewed 26 October 2026. Product availability, lender criteria, fees and regulatory scope can change. Check the current terms and the facts of your property before acting.
