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About The Buy to Let Broker

About Us

Why We Started

Because life’s too short for an average mortgage

Back in 2013, we were frustrated with the lack of honest human advice in the mortgage sector.  We?  That’s me; Matt Hardman and my opposite number, Matthew Rowne.

We’ve been mortgage brokers since the turn of the century.  But together we set out to put things right in the Buy to Let market, scaling and specialising the business across the UK. 

Pushing the fast forward button eight years, with hundreds of very happy and valued clients plus a tangible haul of national awards and accolades later, we’re still striving to do more and so are the fantastic team we have here.  Steadily growing over the years, The Buy to Let Broker has multiplied its numbers with incredible talent from the four corners of the kingdom and is now a vibrant team of 20 mortgage specialists with honest human advice at its beating heart.

We’ll make no bones about it, nowadays it’s a hell of a lot more complex than it was back when the business was started. No-one could have possibly predicted the ruckus that the last few years have brought; heavy tax changes, stamp duty increases, portfolio lending rules and tough stress test changes.

This is exactly why portfolio landlords need advisors who’ve moved with the times and kept up with every change, every crazy Buy to Let criteria update and who understand every crease of the BTL market. And this is what we’re all about.

The most common sentence we hear from clients talking to us for the first time?
“My normal mortgage broker doesn’t do… can you help?”


Follow our story so far→

Matt Hardman Co-Director

Matt Hardman, director

Why We’re Here For You

Enough about us. What’s in it for you, the landlord?

Well, everything you need investment finance wise and everything your ‘normal’ broker doesn’t do.  And when we say ‘do’, we mean truly understand inside out.  We have vast experience in all aspects, the industry contacts, the exclusive deals, and wherewithal to produce the right results in this marketplace for you.

Where you’ll take the most value from us is where you are an HNW client with say 5-50+ properties and you’re actively looking for SPV limited company funding, Bridging Finance, HMO funding, commercial finance, the list goes on – basically anything to do with funding your property investments.


We can help you manage your entire portfolio or simply help with a specific ‘one off’ mortgage project.  What’s more, our team has access to exclusive and semi-exclusive deals, dedicated underwriters that work on our cases with all the major specialist lenders.

But where can we really make the difference?

Well first of all we make sure your case fits the criteria. We don’t chance applications in the blind hope they progress!  We’ll double check with a pre-underwrite.  In terms of due diligence before your application is submitted to a lender, if we feel that your application is marginally outside of criteria, we’ll sell the case to the lender, and do all we can to gain a policy exception, it saves you money, time and the chance of decline – because no one likes dead-ends.

The Buy to Let Broker BTL Mortgage Specialists 2021

Why Our Priority Is You

“We offer service excellence”; It sounds a bit naff because everyone says it.  But our desire to assist runs through the veins of the company, you only have to peek at our reviews to give you a clear window into our happy client world, we have no frustrating red tape and we treat you on your wants and needs, not ours.  We don’t say daft sentences like “it’s our company policy”.

To be clear, we work directly for you – not the lenders.  But being well connected and having close relationships with lenders does help us to get what we all want.

Why Our People

With real advice at the core of what we are about, we’ve gathered the brightest mortgage minds and biggest hearts to deliver our 5-star rated service.  

We’re based in the North West if you feel that’s relevant, but we work across the UK to ensure you get a seamless service no matter where you are.

True experts in all realms of Buy to Let, every single one of our mortgage advisors is fully CeMAP qualified (infact many of our Case Managers are too) and as an FCA authorised firm you can be truly confident that you are getting expert advice when it matters most.

We work hard on our lender relationships, collaborating to improve their Buy to Let propositions and policy, our firm has become a breeding ground for new criteria because of the reputation we’ve built in the specialist sphere of the Buy to Let lending market.

Why We’re Different

We know Buy to Let back to front and inside out – and our business is built on the foundations of ‘getting it right’.   You only have to read our reviews to see that they are more than 5 stars, they are our “why”, the reason we’re in business.  We’ve all dealt with businesses who don’t live up to their marketing hype and we strive every day to live up to your high expectations of us.

Our network of contacts is unparalleled in the market.  With direct access to all of the senior decision-makers in the specialist market; the people that will really decide on the success of your application, we can help you mitigate potential barriers before they present and discuss them with the right people for real action at the outset.

 We’re not about a one-click result or sending in multiple applications in the broad hope they are accepted. We’re about finding you the right solution, first time and every time. This is why we’re the go-to broker for portfolio landlords who are looking for a team they can rely on.

Discover what we stand for →

Real People. Real Success.

Feefo Platinum Trusted Service Winner 2020, 2021 & 2022! ⭑⭑⭑⭑⭑

‘Excellent service, lovely people! ’

★★★★★ I would absolutely recommend The Buy to Let Broker's services. I have completed several remortgages and BTL deals with them and the service is always second to none. - Simon, Cheltenham

‘An Excellent Broker ’

★★★★★ The broker took the time to understood my needs and delivered a personal, tailored solution that I am extremely pleased with. Throughout the processes, I always received timely updates on the status of my mortgage application and the team went the extra mile to ensure I secured the product I wanted. - Trusted Client, UK

‘Great Service’

★★★★★ Talked through in detail each of the products that were available and which ones suited our needs. Ensured a smooth process from beginning to end, with excellent communication throughout. - Trusted Client, UK

As seen on…

This Is Money
Mortgage Strategy
Mortgage Solutions

Still Got Questions? Talk To Us

Ready to be confident you have a fantastic mortgage? Let us know the best way to contact you below and one of our top mortgage brokers will be in touch shortly. Even if you already have an offer or a mortgage in place, we will try to beat it.

If you are in a hurry, you can also call us on 08009499410 to get started now. 

The Buy to Let broker Team

This is just some of our experts, meet the full team here →

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Remember all of our initial advice is 100% free, no-obligation and won’t impact your credit score so it is risk-free.