Julia Grenville
12 Dec 2025Absolutely outstanding mortgage broker. Bernadetta is fantastic! Would 100% recommend it. Its 2nd time were working with them!
BTL Mortgages Scotland is an FCA-regulated mortgage broker based in City of Edinburgh, EH9 2PS, specialising in Buy-to-Let, First Time Buyers, HMO and 4 other areas. Rated 5/5 from 8 reviews.
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Meet our experienced team of mortgage professionals
Julia Grenville
12 Dec 2025Absolutely outstanding mortgage broker. Bernadetta is fantastic! Would 100% recommend it. Its 2nd time were working with them!
Alina Rudolf
22 Oct 2025Bernadetta was incredibly reliable, helpful, and kind. She assisted us with renewing our mortgage, showing exceptional knowledge and expertise that many others simply don’t have. Thanks to her support, everything went smoothly and without stress. We highly recommend her for her professionalism and warm approach! Thank you Alina&Lukasz
PK W
29 Sept 2025Exceptional service far and above the rest. We have used different brokers in the past who looked at options and gave us two to consider - just not giving it their all for us. BTL and especially Bernadetta was keen to find the BEST deal, looking across 9-10 possible options and walking us through all the angles and helping us to find the best one for our situation. We had many questions - all listened to carefully and responded to fully, with good insights. We renewed 5 different mortgages with Bernadetta's guidance, all on different properties with varying issues - but BTL got us through everything in a timely and most professional way. We already have asked them to diarize the renewal dates in 2 years so that they can help us again! HIGHLY RECOMMEND!
Ray Kohli
8 Apr 2025I was very pleased with the extremely high level of professionalism shown throughout the process by Bernadetta Kosmala. In my line of work ideal with many different professionals and I must say she is right up there with the best for the following reasons. She is: 1) Very efficient 2) Pays High attention to detail. 3) Excellent people skills in making the whole process painless. 4) High levels of Resilience she had to put my application through twice in a short space of time due to a technical glitch and still did this very quickly. 5) Speed and accuracy. Her turnaround time from receiving my information and then processing it was very fast. I think she could be a machine. 😂 6) Very fair and transparent with her charges. I would recommend this company to anybody that wants a seamless process if they are taking out a Buy to let mortgage.
Iwona C
8 Apr 2025Excellent service! Helpful and friendly, professional with perfect financial knowledge. Thank You Bernadetta for your service, support and countless hard work. She guided us through the process step by step from the very beginning, clearly explaining everything, keeping updated, and answering every question we had promptly. Highly recommend to anyone who is looking for mortgage! Thank You!
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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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