Specialist Lender Access
Many of the best buy-to-let and limited company products come from specialist lenders that only work through brokers. We know their criteria inside out.
Buy-to-Let Mortgages
Buy-to-Let Mortgage Advice for Smarter Property Investment
Whether you are buying your first rental property, remortgaging a portfolio or setting up a limited company, buy-to-let lending is more complex than ever. Our specialist landlord mortgage advisers understand rental stress tests, tax changes and lender criteria, and find the finance that keeps your investment working.
- Specialist BTL lender panel
- Limited company expertise
- Portfolio landlords welcome
- Free initial consultation
Property Investment
Why Landlords Need a Specialist Buy-to-Let Broker
Buy-to-let lenders do not just look at your income. They assess the rent the property will generate against a stressed interest rate, apply different rules for individual and limited company borrowers, and often have strict criteria on property type, tenant type and portfolio size.
Getting the structure right from the start makes a big difference to how much you can borrow and how much tax you pay. Since Section 24, individual landlords can no longer deduct mortgage interest as an expense and instead receive a 20% tax credit, which is why many investors now buy through a limited company (SPV).
We work with mainstream and specialist buy-to-let lenders to find mortgages for first-time landlords, accidental landlords, portfolio landlords, HMOs, multi-unit blocks and holiday lets, and we work alongside your accountant so your finance and tax strategy fit together.
How We Help
Buy-to-Let Finance for Every Type of Landlord
From a single flat to a portfolio of HMOs, we find lenders that suit your strategy and maximise your borrowing.
Maximised Borrowing
We compare how each lender calculates rental cover, including top-slicing from personal income, to find the one that lets you borrow the most on your property.
Limited Company & SPV Mortgages
We arrange mortgages for new and existing special purpose vehicles, trading companies and complex ownership structures.
Portfolio Landlord Support
If you own four or more mortgaged rental properties, lenders will review your whole portfolio. We prepare your schedule, cash flow and business plan to present it at its best.
HMO & Multi-Unit Freehold
Houses in multiple occupation and multi-unit blocks can deliver higher yields, but need specialist lenders. We find them.
Buy-to-Let Remortgages
Release equity to grow your portfolio, move to a lower rate or switch to a limited company structure with a remortgage built around your plans.
Landlord Mortgage Options
Types of Buy-to-Let Mortgage We Arrange
Standard buy-to-let mortgages
A standard buy-to-let mortgage is for a single residential property let on an assured shorthold tenancy (or the equivalent in your nation). Most lenders want a minimum deposit of 25%, although some accept 20%. Rates are usually lower at 60% or 65% loan-to-value, so a bigger deposit can noticeably improve your yield.
Limited company buy-to-let mortgages
Buying through a limited company, usually a special purpose vehicle set up just to hold property, means mortgage interest can be treated as a business expense for Corporation Tax. Limited company rates can be slightly higher, but lenders often apply a lower rental stress test, which can increase borrowing. We arrange the finance and recommend you take tax advice from an accountant before choosing a structure.
How rental cover (ICR) works
Lenders check that the expected monthly rent covers the mortgage interest by a set margin, calculated at a stressed rate. For example, a lender might require rent of at least 125% of the interest for a basic-rate taxpayer or limited company and 145% for a higher-rate taxpayer. Some lenders use five-year fixed rates to apply a lower stress rate, and some allow top-slicing, using your personal income to cover a shortfall.
HMO and multi-unit freehold block mortgages
Houses in multiple occupation and multi-unit freehold blocks are valued and assessed differently from standard buy-to-lets. Lenders may require landlord experience, an HMO licence and specific room sizes. We match you with lenders who understand these assets.
Holiday let mortgages
Holiday let mortgages are assessed on projected seasonal income rather than an assured shorthold tenancy. The tax treatment of furnished holiday lets changed in April 2025, and mortgage interest relief is now restricted in the same way as standard buy-to-let for individual owners. We find lenders who will lend on your holiday property.
Let-to-buy and consent to let
If you are moving home and want to keep your current property as a rental, a let-to-buy mortgage can release equity from it to fund your next purchase. If you need to rent out your home temporarily, we can help you approach your lender for consent to let.
Eligibility
Landlords We Help
We arrange buy-to-let finance for a wide range of investors, including:
- First-time landlords, including those who do not yet own their own home (with selected lenders)
- Portfolio landlords with four or more mortgaged properties
- Limited company and SPV investors, including new companies
- Accidental landlords letting a former home
- Investors in HMOs, multi-unit blocks, holiday lets and student lets
- Expats and foreign nationals investing in UK property (with selected lenders)
Thinking of incorporating? Moving existing properties into a limited company can trigger Capital Gains Tax and stamp duty. Speak to an accountant first, then we will find the right finance.
How It Works
How We Arrange Your Buy-to-Let Mortgage
- Investment reviewWe discuss your strategy, ownership structure, existing portfolio and target yield.
- Lender and rental cover analysisWe model borrowing across lenders using expected rent, stress rates and top-slicing.
- Agreement in PrincipleWe secure an AIP so you can make offers with confidence.
- Application and valuationWe package your application, including the rental assessment and portfolio schedule.
- Offer and completionWe work with your solicitor to complete, ready for your first tenants.
Grow Your Property Portfolio with the Right Finance
Speak to a buy-to-let mortgage specialist about your next purchase, remortgage or limited company structure.
FAQs
Buy-to-Let Mortgage FAQs
Answers to the questions new and experienced landlords ask us most.
Most buy-to-let lenders require a minimum deposit of 25% of the property value, although some accept 20%. Larger deposits of 35% or 40% usually unlock lower rates and make it easier to pass rental cover tests.
Buy-to-let borrowing is mainly based on the expected rent rather than your income. Lenders usually require the rent to cover the mortgage interest by 125% to 145% at a stressed interest rate. Some lenders also let you use personal income to top up a shortfall. We compare these calculations across lenders to maximise your borrowing.
It depends on your tax position and long-term plans. Limited companies can deduct mortgage interest from rental profits for Corporation Tax, whereas individual landlords receive only a 20% tax credit under Section 24. Higher-rate taxpayers and those building a portfolio often benefit, but you should take advice from an accountant before deciding.
Some lenders offer buy-to-let mortgages to first-time buyers, but the choice is more limited and criteria are stricter. Lenders may require a minimum income and a larger deposit. We know which lenders consider first-time buyer landlords.
In most cases, yes. In England and Northern Ireland, buying an additional residential property usually means paying a 5% surcharge on top of standard stamp duty rates. Scotland and Wales apply their own additional property surcharges. Your solicitor will confirm the exact amount.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Consumer buy-to-let mortgages, such as when you let a property you inherited or used to live in, are regulated under different rules. We will explain which applies to you.
Yes. Remortgaging a rental property is a common way to raise a deposit for your next purchase. Lenders will reassess rental cover on the new loan amount, so the property needs to support the higher borrowing.
Explore More
Other Ways We Can Help
Your home 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. We do not give tax advice. Please consult an accountant about the tax implications of property investment.