Buy-to-Let Mortgages

Finance built for landlords & portfolio growth

We source competitive buy-to-let, HMO, holiday-let and limited-company products—and guide you from AIP to completion.

Why Us

Smart lending for income & long-term yield

Whole-of-Market

Access to mainstream & specialist lenders, incl. portfolio & limited-company options.

Landlord-Centric

We understand ICR, stress rates, ASTs, HMOs, licensing and lender quirks.

Fast Progression

Clear doc list, proactive case chasing, and regular updates to keep chains moving.

Products

Buy-to-let products we arrange

Personal BTL

Standard AST lets in your own name.

Limited Company (SPV)

SPV structures; different tax treatment—accountant advice recommended.

HMO / Multi-let

Higher yield properties; lender & licensing criteria apply.

Holiday-Let

Short-term lets with seasonal income—specialist underwriting.

Portfolio BTL

4+ properties, portfolio schedule & business plan.

Remortgage

Rate switch, capital raise for next purchase or refurb.

At-a-Glance

Typical criteria snapshot*

ItemTypical Range
Max LTV60–80% (product & stress test dependent)
Stress Rate~5.5–8.5% (pay rate or notional) @ 125–145% ICR
Min Income£0–£25k (varies by lender; some none)
TenancyAST/PN (HMO/holiday-let differ)
PropertyStandard construction; flats may need EWS1
Company BTLSPV SIC codes; personal guarantees often required

*Illustrative. Lenders change criteria frequently; we’ll confirm for your case.

Quick Check

Yield & ICR (Interest Coverage Ratio)

LTV: —

Rule-of-thumb only. Full lender affordability also considers expenses, tax status, and product type.

How It Works

Our BTL process in 5 steps

1) Discovery & goals

Yield targets, strategy (personal vs SPV), timescale.

2) AIP & documents

Agreement in Principle and a clear document pack.

3) Application & valuation

We manage underwriting and property valuation.

4) Offer & legals

Mortgage offer issued; solicitors progress searches and contracts.

5) Completion & beyond

Keys, tenancy readiness, and plans for your next acquisition.

Docs

Typical document checklist

  • ✓
    Photo ID & proof of address
  • ✓
    Income evidence (payslips / SA302s / accounts)
  • ✓
    Existing portfolio schedule (for portfolio landlords)
  • ✓
    Company docs (if SPV): incorporation, PSC, SIC codes
  • ✓
    Tenancy details / AST template, projected rent
  • ✓
    Property info: EPC, lease details (if flat), HMO licence where needed
FAQs

Common BTL questions

Personal name or limited company—what’s best?
Depends on tax position, growth plans, and lender/product fit. We’ll outline options; seek independent tax advice before structuring.
What deposit do I need?
Typically 20–40% depending on product and ICR result. Some specialist products vary.
Can projected rent be used?
Valuer usually confirms market rent; lenders use this for ICR. Holiday-let/HMO use different approaches.
Can I use personal income to “top-slice”?
Some lenders allow top-slicing where rent falls short—criteria apply.

This page is for information only, not advice. Criteria and rates change regularly.

Ready to finance your next rental?

Get tailored quotes across the market—personal, SPV, HMO or holiday-let.