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Home › Buy to Let
Buy to Let Mortgages · Scotland

Buy to let mortgage advice
for Scottish
landlords.

Whether you're buying your first rental in Glasgow, Lanarkshire or the Highlands, or growing a portfolio anywhere in Scotland, our specialist buy to let advisers provide independent, whole of market advice — including the ADS implications every Scottish landlord needs to understand. Several of our advisers are landlords themselves.

BTL essentials
Minimum deposit
Usually 25% (20% with some lenders)
Lenders
90+ searched, specialist BTL included
ADS
8% of the full price, payable in cash at settlement
Rental stress test
125-145% of interest at stressed rate
Portfolio landlords
4+ properties — specialist lenders available
Review the rental figures
Scotland Only

Additional Dwelling Supplement (ADS) — what every Scottish landlord needs to budget for.

ADS is an additional 8% land tax applied to the full purchase price of any additional residential property in Scotland. It applies to buy to let purchases, second homes and holiday lets anywhere in Scotland, on top of any standard LBTT. The figures below are general information, not tax advice — rates and reliefs are set by the Scottish Government and can change. Checked against Revenue Scotland in September 2026; confirm your own position with Revenue Scotland or your solicitor before you commit.

Property Price
£150,000
Typical rental — Lanark / Hamilton
Standard LBTT
£100
Standard rate above £145k nil band
ADS (8%)
£12,000
8% of full purchase price
Total Tax
£12,100
Factor this into your purchase budget

We will factor the published ADS and LBTT figures into your budget before you offer, so the cash you need is clear. Confirm your exact liability with your solicitor.

Your Advisers

Direct access. No call centres.

Initial consultation is always free — no obligation, no hard sell.

Phil McLeod
Phil McLeod
Principal Mortgage Adviser
First Time BuyersRemortgageSelf-EmployedComplex Cases

Founder of the firm. Based in Lesmahagow, Phil advises clients throughout Scotland on first time buyer mortgages, remortgages, buy to let, self-employed and complex cases.

Lesmahagow, South Lanarkshire
90+ lenders, whole of market
100+ Google Reviews
Free initial consultation
Book with Phil
Dougie Ritchie
Dougie Ritchie
Mortgage Adviser — Buy to Let & Complex Cases
Buy to LetPortfolio LandlordsComplex CasesLtd Company BTL

Based in Renfrew, Dougie advises landlords and complex-case clients throughout Scotland. An experienced adviser and property investor in his own right.

Renfrew, Paisley & Renfrewshire
90+ lenders, whole of market
Property investor & landlord
Free initial consultation
Enquire with Dougie
Areas We Cover

Mortgage advice across Scotland.

We advise clients anywhere in Scotland — including Fort William, Oban and the surrounding areas — with appointments normally carried out by telephone. Initial enquiries are always free.

Lesmahagow
Lanark
Hamilton
Biggar
Motherwell
Carluke
Larkhall
Strathaven
Douglas
Wishaw
Law
Forth
Crossford
Kirkmuirhill
Abington
Renfrew
Paisley
+ All of Scotland
FAQs

Questions answered honestly.

Google Reviews

What our clients say.

5.0· 100+ Google reviewsRead all reviews →
William
Hamilton
"Phil went above and beyond to find the right lender — no jargon, just clear explanations of the pros and cons. Have used Phil for multiple buy to lets and our own home. Highly recommend."
Verified
South Lanarkshire
"Philip has been amazing from start to finish — from purchasing my house right through to renewing mortgage agreements. Such a dedicated individual. He even helped me secure my home purchase whilst he was on holiday. This man deserves all the credit."
Dave
Wishaw
"Phil was great — helped look after all the details and ensured everything went smoothly. Came back again four years later and nothing has changed. Still brilliant. Responsive, professional, great value."
Related services

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