Whether you own one rental property or fifty, the right finance changes everything; your monthly cashflow, your tax efficiency, and how quickly you can grow.
At Airsat, we've built our reputation on delivering the high level of personal service that big high-street brands can't. When it came to choosing a mortgage partner for our landlords, we wanted a broker who works to the same standard.
Why we've partnered with Mortgage Style
A landlord's mortgage isn't a one-off decision it's a relationship that can last decades. That's why our partner had to be somebody we'd trust with our own landlords, and with our name attached.
A shared standard of service
The team at Mortgage Style hold themselves to the same standard we do. They pick up the phone. They come back to you when they say they will. They treat your case like it's the only one they're working on.
Deep expertise in landlord lending
Over 100 years of combined experience in mortgages and financial services, with real specialism in landlord and portfolio lending. Buy-to-let, limited company structures, HMOs, holiday lets, portfolio lending across multiple properties; they know each lender's criteria and quirks.
Trusted by hundreds of clients
More than 600 five-star reviews across independent platforms. Their reputation is our reassurance because every landlord we introduce is a reflection on us.
Tenacity when cases get complex
Other brokers refer their hardest cases to Mortgage Style. Portfolio landlords, unusual income structures, tricky properties — they don't drop cases when they get complex. They dig in.
Your free portfolio review
As part of our partnership, every Airsat landlord is entitled to a free, no-obligation portfolio review with Mortgage Style.
In a single conversation, they'll look at:
- Whether you're on the best rate across every property in your portfolio. Rates change constantly and many landlords can find themselves on a deal that's no longer the best available.
- How your finance is structured. Personal name vs limited company, individual products vs portfolio lending, lender concentration; are all the pieces working together?
- Whether there's equity in the portfolio that could fund your next purchase. If you have idle equity, Mortgage Style will find it and show you exactly what it could unlock with numbers attached.
- Where product expiries leave you exposed. Rolling onto a lender's Standard Variable Rate by accident is one of the most expensive mistakes a landlord can make. They track every expiry so it doesn't happen.
What happens next
You'll receive a clear summary of where you stand today and what your options are. If it makes sense to make changes, Mortgage Style will walk you through them. If it doesn't, they'll tell you that too.
There's no obligation, no pressure, and no fee for the review itself.
Book Your Free Portfolio Review →
Six reasons landlords use a broker
If you've always gone straight to your bank for a buy-to-let mortgage, it's worth understanding what you're missing. Here's what a specialist landlord broker actually does that a bank can't.
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Whole of market access
Banks show you their own products. Mortgage Style shows you the whole market including specialist buy-to-let (BTL) lenders most landlords never see directly. Some of the most competitive BTL rates in the UK come from lenders you can only access through a broker.
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Built for landlords, not homebuyers
Limited company structures. HMO licensing. Holiday-let seasonality. Portfolio lending across five, ten, or fifty properties. These aren't ad hoc cases for Mortgage Style, they're the day job. They know each lender's exact criteria, so they don't waste your time on a lender who'll say no.
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Stress tests, done properly
Rental coverage calculations, tax band impact, personal vs limited company implications, get any of these wrong and the application falls over. Mortgage Style models it properly the first time, so you know exactly what you can borrow before you make an offer on your next property.
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Equity working harder
If you have idle equity in your portfolio, they'll find it. And they'll show you exactly what it could fund.
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Renewals on autopilot
The single biggest silent finance cost most landlords carry is rolling onto a lender's Standard Variable Rate at the end of a product period. Mortgage Style tracks every product expiry across your portfolio and comes to you six months ahead of time. You never miss a better rate.
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One point of contact
From application to completion (and through every renewal for as long as you're a landlord), you deal with people who know your portfolio. No repeating yourself. No starting from scratch. Communication you can count on.
About Mortgage Style
Mortgage Style is a multi-award-winning brokerage based in the South West, providing expert guidance on residential mortgages, buy-to-let, and specialist lending.
What sets them apart
Four things came up repeatedly when we were evaluating potential partners:
- Experience. Over 100 years of combined experience across their advisor team. When a case is complex, they've almost certainly seen it before.
- Support. Close to 1:1 ratio of administrators to advisors. It sounds small but matters enormously. It's why their cases complete on time and why other brokers refer their hardest cases to them.
- Communication. You (and we) hear from them proactively. If there's an update, they call. If there's a problem, they call before you know there's a problem.
- Reputation. 600+ genuine five-star reviews across independent platforms. Every review is a landlord or homebuyer who chose to tell the world it went well.
Awards and recognition
- Winners — Bristol Property Awards, Financial Category (2022 and 2024)
- Winners — National HMO Awards, Best Financial Services Supplier (2024)
- Finalists — Bristol Life Awards (2023 and 2025)
- Multi-year commitment to five-star client service
Regulation
Mortgage Style Ltd is registered in England and Wales. Registered Number 5743648. Registered Office: Elm Tree Farm Estate, The Sheepway, Portbury, Bristol, BS20 7TF. Mortgage Style Ltd, trading as Mortgage Style, is an appointed representative of the H L Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
A fee may be payable if we progress your application. Our average fee is around £200 and the maximum you may pay is £595 for bridging loans or adverse credit mortgages.
The Financial Conduct Authority does not regulate commercial mortgages, some forms of buy to let mortgage and some forms of bridging finance.
Your mortgage journey — what to expect
Whether it's your first buy-to-let or you're adding property number twenty, here's how the process works with Mortgage Style. From first conversation to completion, most landlord cases follow the same six steps.
Step 1 — Initial conversation
A 15 to 20 minute call with a specialist advisor. They'll talk through your situation, your goals, and what you can borrow. No paperwork yet, just a clear picture of what's possible and what needs looking at.
Step 2 — Decision in Principle (DIP)
Once you're happy to proceed, they'll get you a Decision in Principle from a lender. This is what agents (including Airsat) want to see when you put in an offer as it shows you're a serious, funded buyer.
Step 3 — Offer accepted
You find the property, your offer is accepted. Now things move fast. Mortgage Style start the full mortgage application and coordinate with your solicitor. Their admin team keep the paperwork moving in the background.
Step 4 — Valuation and underwriting
The lender values the property and reviews the application in detail. This is where cases sometimes hit friction but Mortgage Style chase everything in the background and flag anything that needs attention before it becomes a problem.
Step 5 — Mortgage offer
The lender issues your formal mortgage offer. Mortgage Style walk you through it and pass everything to your solicitor. You're now in the final stretch.
Step 6 — Exchange and completion
Solicitors exchange contracts, then complete. The property is yours. Mortgage Style are still there for product transfers or remortgages when your initial deal ends and most clients stay with them for the life of their portfolio.
Thinking bigger? Bridging, development and retrofit finance
If you're a landlord who's looking at your next project as a refurbishment, conversion, ground-up build, or energy retrofit, Mortgage Style's sister firm, Brunel Bridging, handles the specialist finance that fits.
A note on retrofit
Energy efficiency is high on the agenda for landlords right now. Tenant demand for lower-bill properties is rising, and government direction on minimum EPC standards for rental properties continues to move. Even where exemptions currently apply, most diligent landlords would rather bring older properties up to standard on their own timeline than wait for a compliance deadline to force it. The challenge is usually cashflow: retrofit works cost money upfront, and rental income only catches up once the works are done and the property is re-let.
That's where specialist finance comes in. A short-term facility can fund the works, and once the property is upgraded and let, you can refinance onto a longer-term buy-to-let product, often at a better rate, because a higher EPC rating unlocks lenders' green mortgage products.
What Brunel Bridging covers
- Bridging finance — for auction purchases, chain breaks, and short-term cashflow needs
- Light and heavy refurbishment finance — for landlords upgrading a property before letting or selling
- Retrofit finance — for energy efficiency upgrades (insulation, heat pumps, glazing, EPC improvements) with a clear exit onto a long-term BTL product
- Development finance — for ground-up builds, conversions, and small-scale developments
- Exit finance — refinancing off bridging, retrofit or development loans onto long-term BTL products, including green mortgage options
Same team, same standard
Same offices, same advisors, same commitment to communication and tenacity. If a project needs structuring, Brunel Bridging will structure it. And critically, they always plan the exit before the entry. A project you can't refinance out of isn't a project; it's a problem.
Have a project in mind? Ask about it when you book your portfolio review.
Frequently asked questions
Is the portfolio review really free?
Yes. The review itself carries no fee and no obligation. If you decide to proceed with a mortgage application afterwards, Mortgage Style's fees are explained upfront (see below).
Do I need to switch away from my current broker?
Not at all. A second opinion on your portfolio is always valuable, and many landlords use Mortgage Style alongside an existing relationship for specific cases, particularly complex ones.
What if I already have a Mortgage in Principle from my bank?
Bring it along. Part of the review is comparing what you already have (or have been offered) against the wider market. If your current option is genuinely the best available, they'll tell you.
I own my properties in a limited company. Can Mortgage Style help?
Yes, limited company buy-to-let is one of their specialist areas. Same for HMOs, holiday lets, and mixed-use properties.
How much does Mortgage Style charge?
A fee may be payable if they progress your application to offer stage. Their average fee is around £200, and the maximum you may pay is £595 for bridging loans and adverse credit mortgages. Any fee will be discussed and agreed with you upfront, there are no surprises.
What areas do Mortgage Style cover?
Mortgage Style is based in the South West but works with clients across the UK. Most conversations happen by phone or video, so location isn't a constraint.
How do I get in touch?
The easiest way is to book a free portfolio review through the form on this page. Alternatively, call Mortgage Style directly on 01275 370360, email [email protected], or WhatsApp 07702 674644.
Ready to book your free portfolio review?
It's a single conversation. No obligation, no pressure, just a clear picture of where you stand and what your options are.
You can book directly with Mortgage Style on 01275 370360, email [email protected], or use the form below and one of their advisors will be in touch.
EMBEDDED FORM: Contact form (Name, Email, Phone, Number of properties, Best time to call)
Regulatory information
Mortgage Style Ltd is registered in England and Wales. Registered Number 5743648. Registered Office: Elm Tree Farm Estate, The Sheepway, Portbury, Bristol, BS20 7TF.
Mortgage Style Ltd, trading as Mortgage Style, is an appointed representative of H L Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP TO DATE WITH YOUR MORTGAGE REPAYMENTS.
A fee may be payable if we progress your application. Our average fee is around £200 and the maximum you may pay is £595 for bridging loans and adverse credit mortgages.
Some forms of bridging and commercial lending are not regulated by the Financial Conduct Authority.