Buy To Let

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Buy To Let Mortgages and Commercial Loans

Buy To Let Mortgages and Commercial Loans are handled very differently to residential mortgages due to them not being regulated by the Financial Conduct Authority (FCA). There is, in fact, no Government regulation that determines how these loans are to be administered and subsequently there is no regulatory body for a Homeowner to complain to.

As the owner of the property, therefore, you are limited to directly negotiating with your Lender and when this has broken down and you are facing court action or eviction, you have to be able to gain the favour of the court to suspend the action they are taking.

Therefore, a strong understanding of the statutory and case law that relate to your case is absolutely essential to be able to understand what power your Lender actually has over you and your property.

Cases also take different routes, dependent upon which lender you have and how many properties you have with them. Some Lenders will immediately instruct a Law of Property Act (LPA) Receiver, who can make decisions about your property and collect the rent from current tenants without any recourse to the Homeowner.

No Two Cases Are the Same

Ideally, you want to prevent your case from getting to this stage. An LPA receiver can be instructed when you are as little as 2 payments in arrears, your term having expired or simply because you have broken a part of the terms and conditions of your contract which can include, leaving the property empty or allowing a family to reside at the property.

Property Owners that have their property let to a private individual or family further have to be aware of their tenants’ rights and what they can get from the court directly. We have had to repair a number of cases where the tenant and the owner have made an application at the same time, that does not tell the same tale, creating far more confusion for the court than was necessary

With Commercial loans, especially those linked to a company or business overdrafts, the Lender can ‘call the loan in’ which means that the terms and conditions which you were bound by are no longer in place, resulting in a demand for the immediate repayment of the whole loan

Unfortunately, there are few Homeowners that are in a position to meet such a demand, especially when the demand for repayment is on the back of a difficult financial period. Your Lender will use its security on your property to make sure they are paid. These are all circumstances that we are used to dealing with, and once again, no two cases are the same, we will, therefore, need to discuss your specific circumstances so that we can provide specific advice.

Mortgage arrears information and advice links

Mortgage Arrears
Expired Mortgage Terms
Bridging Loans
Lender Negotiation
Business & Commercial Debt
Buy to Let

How to Stop Repossession

1. Don’t take emergency finance

Other companies may have misled you into believing that a bridging loan or short-term finance is your best or even only choice. That’s not true. The temporary relief will be short-lived when you are facing repossession for a much higher sum.

2. Don’t accept a quick sale

In desperate situations, you may be tempted to accept a below-market-value “instant cash” offer on your home. Avoid quick sale companies at all costs—they profit from your misfortune. We can provide better options.

3. Get us to help

We can help you navigate through your options. We will force your lender to give you time to make a decision that suits you. Our first step is to assess affordability for you to keep the property long-term. If this is not an option, then we will ensure you speak to regulated finance professionals or have time to sell your property on the open market.

I cannot recommend David Harrison highly enough. He was very professional and knowledgeable throughout the whole process. From the first phone call they were an absolute super star.

Martha Ngara
October 27, 2025

Very helpful advice given my term has expired but was given very good advice about my options & time frame

Ian Dunn
September 18, 2025

What A Great Gentleman Richard is, absolutely Professional for the work he does. I was googling N244 at 1am in the morning as I was potentially looking at Repossession &... read more

Ajeel Safir
September 11, 2025

I was in a low / dark place 18 months ago following some difficult personal circumstances. There were too many spinning plates and struggled to regain control, and faced certain... read more

Andrew Kiely
August 13, 2025
Richard was very easy to talk to, it was so reassuring that there are ways to help and he put my mind at rest, looking forward to taking to... read more

David Arnold
August 6, 2025

What can I say about HMS,saved me from my property being repossessed on the last minute with the honest advice from Richard very much appreciated these guys are amazing.i called... read more

Gamming Channel
July 30, 2025

Exceptional Support During a Difficult Time Homeowner Management Services went above and beyond when I was facing a very stressful situation with an inconsiderate lender trying to take possession of my... read more

Mjr David
July 28, 2025

Ben was very understanding and helpful..I would highly recommend this company

Martin Garvey
June 5, 2025
Great understanding & very helpful advice on my pending repossession order. Many thanks...

Pam Benton
May 29, 2025

Having problems with a possession hearing! Richard was amazing and incredibly helpful and supportive, he even took the time to offer free advice in writing to help me on the... read more

Jonny Worthy
May 28, 2025

Ben was amazing and always available at any time of the day. Helped within a few days

Adam Ahmed
May 1, 2025

HMS are brilliant.I have used this company a couple of times now and they cannot do enough for you.Richard,ben and david are an incredible team so much knowledge and confidence... read more

Jc S
May 1, 2025
I would highly recommend Richard and the term at Homeowner Management Services. They provided invaluable support and advice when I contacted them about my mortgage coming to the end of term. My... read more

Ann Mullins
April 30, 2025

We had been given a repossession hearing by the bank which was scary. This would eventually lead to eviction even though we were not behind with our payments. Richard's advice... read more

Dave Wilcock
April 24, 2025

Excellent, friendly, professional advice given

Stuart Kelf
April 14, 2025

I spoke with Richard today. He not only put me at ease with my situation, but provided me with the next steps for me to take to get a better... read more

Jayne Forsyth
April 14, 2025
Excellent advice from David, very helpful, friendly and informative. Helped us with sound advice of how to deal with upcoming eviction or repossession orders. Feel a lot less burdened now. Keep up the... read more good work HMS!

Sam Kamal
April 2, 2025

In May 2024 Landmark had started repossession due to the mortgage term expiring. I was totally expecting my house to be repossessed but then I spoke to Richard and the... read more

paula burns
March 19, 2025

2nd to none service from Richard and team. Swift response with excellent advice & support. Warmest regards. Lee D.

Lee Duke
February 26, 2025

2nd to none service from Richard and team. Swift response with excellent advice & support. Warmest regards. Lee D.

Lee Duke
February 19, 2025
Homeowner Management Services care! I was facing eviction from my home and Richard gave me excellent advice. He provided a legal argument to my case and when the Judge... read more

Rosemary Ebun
February 19, 2025

It's been a one year and nine months since I deal with Richard and David they are amazing they keep looking after me what ever my situation but now it's... read more

Maria Cardoso
January 19, 2025

the team at HMS what can i say a massive thank you to the team they not only helped me once but twice with repossession orders we owe them... read more

dale williamson
January 19, 2025

Just let Richard know,I press one star thinking u pressed all stars, unfortunately it went off and put one star up and did write in my review that it... read more

Jane Hayward
November 19, 2024