Acumen Mortgages

For Landlords and Buy to Let Mortgages

100% Free Advice

A free impartial mortgage advisory service from start to finish


Making sure you have the choice for you and your family helping to support smart decisions.


Providing you with a face to face meeting or over the phone advice at a time that best suits you as part of our free initial consultation.

Professional help for landlords new and experienced in Horsham

Our affiliate company, Focus Lending Ltd, helps landlords every step of the way no matter your portfolio size and complexity. Whether you’re a first-time landlord, adding to a large portfolio, or thinking about renting out your current home, you will need to obtain a buy-to-let (BTL) mortgage, consult our team for up to the minute product information on B2l, HMO, Bridging and Refurbishment Products.

Buy-to-Let Mortgages in Horsham, West Sussex

We provide Buy-to-Let advice whether you are an experienced investor adding to your portfolio, starting out with your first buy to let or possibly a consumer landlord who has maybe inherited property or thinking about renting out your current home. At Acumen Mortgages we have a team of qualified, friendly and experienced mortgage advisers who will find the most suitable deal from a comprehensive range of mortgages from across the market. Identifying the most suitable BTL mortgage is often not as straightforward as a normal mortgage, key issues arise such as the borrowers experience, rental income, lenders stress tests etc. Arrangement costs and conveyancing fees can also be higher with BTL, our experienced team will steer you through the process to ensure you get the most suitable deal , that’s what we are here for!

House in Multiple Occupation (HMO)

House in Multiple Occupation (HMO) is a property rented out by several people who are not from 1 “household” but share facilities such as the bathroom and kitchen. These are often on individual ASTs (Assured Shorthold Tenancies). Dependant on whether the property is licensed or not will determine the lenders that can be approached to help fund your requirements.


We provide expert advice for the acquisition, re-structure and re-finance of complex property portfolio structures with many of our clients owning properties running in to the hundreds of units. Whatever the size and make up of your property portfolio we’ll provide unbiased, advice offered without obligation. For a discussion on your portfolio funding requirements please call our team today.


If you want to move house but you’re struggling to sell your home or maybe your property has dropped in value, let to buy is something you may want to consider. Letting out your property could allow you to move into a new home without feeling pressure to sell in a rush and potentially at a loss. Although some lenders will allow you to let out your home on a residential mortgage, it’s only be on a temporary basis. So unless you are only going to be letting it out for a short time, it is likely you will need a buy to let mortgage. Which is where we come in, we will guide you through all the details and work out what is best for you and your home.

Locations Crawley | Horsham | Brighton

We'll search the thousands of products to ensure the very best mortgage deal for you.

We'll liaise with your lender, solicitor, and surveyor, so you don't have to.

Last, but not least, we'll even take care of all the paperwork.

Client Reviews

We are very happy with the service Carl has provided us in securing our mortgage. As first time buyers we had no idea about any of the processes involved. Carl helped us every step of the way and was always available when we had questions or needed advice. The connections he provided us with the Solicitors were also excellent. Cannot recommend enough. We are very happy in our new home.
Alex Clarke
My partner and I couldn't be happier or recommend enough the quality services that Acumen Mortgages offer. Finding our new home was made a positive experience by the calm, dedicated and professional manner in which Acumen Mortgages, specifically Carl, handled our mortgage application. We can safely say that without Carl and Acumen Mortgages, we would not be in our dream home today.
Josh Heaton
Would not hestiate to recommend Carl to anyone, we received an excellent service from him and Acumen Mortgages. He is very friendly, knowledgable and available to talk you through your queries at any time, he managed to secure us a mortgage despite our complicated situation. Thank you so much for all your help Carl!
Sophie Paine
carl at acumen mortgages goes above and beyond. I would highly recommend his services, he always worked around us and answered any questions we had morning or night. He is very friendly and professional and I will happily continue to use his services for the future.
Louis Guile

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