Lisa He
23 Oct 2025Very professional broker with quick responses, got my mortgage offer within 3 days after application.
Ocean Tide (UK) Ltd is an FCA-regulated mortgage broker based in City of London, EC4Y 0AB, specialising in Buy-to-Let, Commercial, Residential. Rated 4.8/5 from 83 reviews.
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Meet our experienced team of mortgage professionals
Lisa He
23 Oct 2025Very professional broker with quick responses, got my mortgage offer within 3 days after application.
Sophie Meller
2 Sept 2025The team at Ocean Tide are knowledgeable, proactive, and always put their clients first. Their attention to detail and clear communication make every transaction smooth from start to finish. As a lender, it’s refreshing to work with professionals who not only understand the industry but also go above and beyond to ensure the best outcome for all parties involved. Reliable, efficient, and a pleasure to work with — we couldn’t recommend them more highly.
ying zhang
20 Aug 2025Jenny and Doris provided such professional and caring loan services. They not only helped me find the perfect solution but also took the time to explain every detail with patience, making the whole mortgage process smooth and stress free.
Minyan
14 Jul 2025I can't believe how excellent Jenny and Jin are! They are dedicated and literally successfully helped me with my mortgage application! And their service is literally just AMAZING and FANTASTIC! As they always update me on the progress of my mortgage application ON TIME! And I know both of them are working so hard on my application. Therefore, that's why my mortgage application can be approved within the expected time.
Alice Gao
20 Mar 2025I have really enjoyed working with Shi and Jenny who helped me secure my first mortgage. Shi has been incredibly helpful in answering all of my questions and acted swiftly to quickly secure my offer. I can’t recommend her highly enough! They provided me personalized advice, and throughout the process, they provided regular updates and more importantly I received the offer very smooth and super fast. This is the third time I had mortgage applications working with them, definitely the best choice ever!
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.

The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.

UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.

Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.

Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.

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