Expert buy-to-let mortgage advice for UK landlords

Whether you're a first-time landlord or building a larger property portfolio, sourcing the right buy-to-let financing is crucial. At scale, a BTL deal impacts returns through rate, product fees and stress rules. We scan the whole market and coordinate BTL funding across lenders to reduce friction and get landlords funded at pace.

What is a buy-to-let mortgage?

A Buy-to-Let mortgage is a type of mortgage designed for individuals or limited companies purchasing property to rent out rather than to live in.

These mortgages differ from residential mortgages in several key ways:

Affordability is based on rental income, not personal income
Higher deposit requirements, typically 20–25% minimum
Interest-only mortgages are more common
Higher rates and fees compared to residential mortgages

Buy-to-let finance is available for:

Single dwellings
HMOs (Houses in Multiple Occupation)
Multi-unit freehold blocks (MUFBs)
Holiday lets and Airbnb
Limited company structures (SPVs and trading companies)

How we can help

As specialist brokers, we help landlords of all sizes secure the right finance for their strategy:

First-time landlords
Professional landlords with portfolios
Limited company & SPV applications
HMOs and multi-unit blocks
Ex-pats and foreign nationals
Holiday lets / serviced accommodation
Portfolio refinancing or capital raising

We work with high street banks, specialist lenders, and private banks, many of which are only available through brokers, to source the most competitive and flexible terms.

Our service includes:

Structuring the deal for optimal tax and lending terms

Packaging your application for fast lender approval

Coordinating with solicitors, valuers, and underwriters

Advising on future remortgage or portfolio growth strategies

UK case study: Limited company buy-to-let in Manchester

Client:

Experienced landlord expanding portfolio

Property:

4-bed HMO in Manchester

Purchase Price:

£275,000

Rental Income:

£2,000 pcm

Client Structure:

SPV (Ltd Co)

What We Arranged:

BTL mortgage of £206,250 (80% LTV)
Interest-only mortgage
Specialist HMO lender accepting Ltd Co applications

Result:

Funds released in 6 weeks, with scope to refinance after 2 years due to anticipated capital uplift.

Frequently asked questions

Most buy-to-let mortgages require at least a 25% deposit, though some lenders may accept slightly less depending on the deal.

Yes. Many investors now use a limited company for tax efficiency. We can guide you on the pros, cons, and structure lenders prefer.

Instead of your personal income, lenders look at the rental income the property will generate. The rent usually needs to cover 125–145% of the mortgage payment.

It’s possible, though options may be more limited. Some lenders prefer landlords with experience, but there are products for first-time investors.

A personal BTL is owned in your name and taxed as personal income. A Ltd Co BTL is owned by a company, and profits are taxed under corporation tax. The right option depends on your long-term plans.

Yes. Many landlords remortgage to release equity for new investments or renovations. We can help find lenders that allow this.

Start or grow your
property portfolio with expert advice

We're here to help landlords like you succeed, whether it's your first buy-to-let or your 50th. With us, you'll get:

Access to lenders across the market (including specialist and limited company lenders)

Honest, tailored advice based on your strategy

Help with structuring your application and portfolio

Fast, professional service from offer to completion