Case Study

Buy-to-Let Portfolio Planning

October 9, 2025

Client
Background

Nadine approached Thickbroom Mortgages looking to build a buy-to-let property portfolio to help secure her financial future. While she had limited experience and knowledge about the process, she was clear on her goals: to build a series of buy-to-let properties to supplement their monthly income and to invest in long-term capital growth through property assets.

Our Task

Working closely with her accountants, Thickbroom Chartered Accountants, our role was to explore and advise on financing options across multiple legal structures, including purchases in her personal name and through a Limited company. Nadine wanted a comprehensive comparison of the pros and cons of each option, enabling her to make a well-informed, strategic decision.

Our Impact

We were able to give Nadine the reassurance of a long-term solution to provide ongoing financial stability without impacting her day-to-day income or expenses. With our guidance, Nadine realised that she could purchase two properties rather than just the one she originally intended, accelerating her portfolio growth and ensuring greater financial security.

"

I had the best experience with Thickbroom Mortgages. I’d been thinking about investing for some time, but felt apprehensive about beginning. Laura helped me to understand my options and was reassuring and helpful every step of the way. The supportive and friendly advice made the whole process feel manageable and exciting - not daunting or overwhelming. And she went out of her way to help chase the lender to make sure we hit the completion dates.

"
Nadine's testimonial

Nadine

Why Choose Us?

At Thickbroom Mortgages, we combine market expertise with a truly personal approach. We work quickly, collaboratively and with your goals at the centre of our service, delivering tailored solutions that maximise your outcomes with minimal hassle.

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Frequently Asked Questions

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Mortgage FAQs

Protection FAQs

A mortgage adviser or broker finds and arranges the most suitable mortgage for your needs, comparing deals across lenders and managing the application process for you. They communicate with lenders, solicitors and accountants, providing advice on your options, putting time and control back in your hands.

If you’re short on time, have a complex income or want access to a wider range of deals, an adviser can save you time and stress.

Yes! We specialise in helping self-employed clients and those with non-standard income. We know how to present your case clearly to lenders for the highest chance of approval. Take a look at Antony and Nadine’s stories to learn more about how we support self-employed applicants.

We work with lenders who consider applicants with poor credit histories. We’ll assess your situation and guide you through your options.

We offer an initial free consultation to determine if we can assist you. Upon instruction, our standard fee payable is £250 followed by a further £245 once the mortgage offer has been issued. However, depending on your circumstances and the work required, this may change – we will clearly state the fee before commencing work.

It varies, but we aim to move quickly. Once we understand your needs, we handle the paperwork and keep things moving to help you achieve your goals.

Absolutely! Whether you’re a first-time landlord or expanding your portfolio, we can help you find the right deal and give you tailored advice. Take a look at Nadine’s story to learn more.

Yes! We can help you finance second homes, UK holiday lets or properties abroad, depending on your goals. Click here to read about Nadine’s experience with us.

Typically, ID, proof of income, a credit report, bank statements and details of any debts or financial commitments. We’ll give you a full checklist.

Yes! Whether your current deal is ending or you want to release equity, we’ll help you find a better fit. We helped Antony refinance his home – click here to read his story.

Protection FAQs

It includes life insurance, family income benefits, critical illness cover and income protection, all designed to support you and your family if something unexpected happens.

Business protection covers key people, shareholders and loan repayments. It helps keep your business running if someone vital becomes seriously ill or passes away.

If you have a mortgage, dependents or a business, protection gives you financial security and peace of mind if life doesn’t go to plan.

Yes! We work with insurers who consider a wide range of health backgrounds. We’ll help you find the most suitable option.

That depends on your income, debts and family or business responsibilities. We’ll help you calculate the right level of protection.

It can be more affordable than you think! We’ll tailor the cover to your budget and priorities.

Life insurance pays out if you pass away; income protection pays a monthly benefit if you can’t work due to illness or injury.

Yes! We often arrange both together to make sure your home and income are fully protected.

Some policies can be arranged in a day. Others may take longer if medical checks are needed. We’ll keep on top of the admin and communications for you.

We offer ongoing support to make sure your protection still fits your needs as life changes.