Buy-to-Let Mortgages

Specialist buy-to-let mortgage solutions for individual investors and limited companies across the UK

What are Buy-to-Let Mortgages?

Buy-to-let mortgages are specifically designed for properties purchased as rental investments. Unlike residential mortgages, these loans are assessed primarily on the rental income the property can generate rather than solely on personal affordability criteria.

Whether you're a first-time landlord or an experienced portfolio investor, buy-to-let mortgages enable you to leverage rental income to build a property portfolio. With the right structure, they can provide an effective route to long-term wealth creation through rental yield and capital appreciation.

Types of Buy-to-Let Mortgages We Arrange

Personal Name BTL

Traditional buy-to-let mortgages taken in your personal name, suitable for individual investors.

  • • Standard residential properties
  • • Houses and flats for letting
  • • Straightforward rental situations
  • • Lower complexity lending

Limited Company BTL

Mortgages taken through a limited company structure, offering potential tax advantages.

  • • Tax-efficient structure
  • • Higher rate taxpayer benefits
  • • Portfolio expansion strategy
  • • Professional landlord approach

Multi-Unit Blocks (MUBs)

Specialist finance for blocks containing multiple residential units with individual tenancies.

  • • Purpose-built blocks
  • • Converted properties
  • • Multiple income streams
  • • Higher yield potential

Houses in Multiple Occupation (HMOs)

Specialist lending for properties let to multiple tenants sharing common areas.

  • • Student accommodation
  • • Professional house shares
  • • Licensed HMO properties
  • • Higher rental yields

Buy-to-Let Mortgage Features

85%

Maximum LTV

Up to 85% loan-to-value on certain products

2-5

Term Options

Flexible terms from 2 to 5 years and beyond

125%

Rent Coverage

Rental income covers 125% of mortgage payments

£50K

Minimum Loan

Loans from £50,000 upwards

2-4

Completion Speed

Complete in 2-4 weeks with the right lender

75+

Age Flexibility

Available to borrowers up to age 75+

We Handle Complex Buy-to-Let Cases

Property Types

  • • Ex-local authority properties
  • • Properties above commercial premises
  • • Studio flats and bedsits
  • • Properties requiring renovation
  • • Listed buildings
  • • Leasehold properties (short leases considered)

Borrower Circumstances

  • • First-time landlords
  • • Portfolio landlords (10+ properties)
  • • Non-UK residents
  • • Self-employed borrowers
  • • Limited company purchases
  • • Credit history issues

Our Buy-to-Let Mortgage Process

1

Initial Consultation

We assess your investment goals, experience level, and financing requirements.

2

Property Assessment

We evaluate the property type, rental potential, and suitability for BTL lending.

3

Lender Selection

We source the most suitable lenders based on your specific circumstances and requirements.

4

Application & Completion

We handle the entire application process through to completion and beyond.

Ready to Build Your Property Portfolio?

Get expert advice on buy-to-let mortgages from our specialist team. We'll find the right lender and structure for your investment goals.