Mortgages
Buy-to-Let Mortgage Advice
Whether you're buying your first rental or scaling a portfolio, buy-to-let lending has its own rules. We work with mainstream and specialist BTL lenders to match the finance to the property and your structure.
Why Choose Us
Specialist landlord lending
The BTL market is more nuanced than residential lending — stress tests, ICR (Interest Coverage Ratio) calculations, Limited Company Mortgages (SPV) and HMO rules all vary widely. Our advisers spend their days in this market.
- Portfolio-landlord expertise across personal and SPV structures
- Limited-company SPV buy-to-let lending
- HMO, multi-unit freehold block and student lets
- Rental-yield and ICR stress-test modelling
- Refinance reviews to release equity for further purchases
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Your Journey
A straightforward process
Structure Review
We look at your goals, existing portfolio and whether personal or SPV ownership suits.
Yield & Stress Test
We model the rental cover against lender stress rates to confirm a property is fundable.
Lender Match
We match the deal to lenders experienced in your property type and tenant profile.
Application & Completion
We manage the application, valuation and legals through to drawdown.
FAQs
Common questions
How much deposit do I need for a buy-to-let mortgage?+
Most BTL lenders require at least 20–25% deposit. The best rates typically sit at 40% deposit or more. Your adviser will help you balance deposit, rental yield and stress-test rates to find a workable product.
Should I buy through a limited company?+
It depends on your wider tax position, plans for the property and number of holdings. Many higher-rate landlords now use a Special Purpose Vehicle (SPV) limited company. We can outline how a limited-company mortgage works, but the tax decision should be confirmed with an accountant.
What is a stress test on a buy-to-let?+
Lenders check that the expected rent covers the mortgage interest by a defined margin (typically 125–145% at an assumed stress rate of around 5.5–7%). It's their way of confirming the property remains viable if rates rise.
Can I get a BTL mortgage for an HMO or multi-unit block?+
Yes — specialist lenders fund Houses in Multiple Occupation and multi-unit freehold blocks. Criteria around licensing, room sizes and tenant types vary, and we work with lenders experienced in this space.
Are buy-to-let mortgages regulated?+
Most BTL mortgages are not FCA-regulated as they are classed as commercial lending. However, regulated 'consumer buy-to-let' mortgages exist where the property was inherited or is being let to a close family member.
Grow your portfolio with confidence
Talk to a buy-to-let specialist about your next purchase, refinance or restructure.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.