Buy to Let Mortgages
Finance for landlords building and managing a rental portfolio.
From your first rental to a full portfolio
- First-time landlords purchasing their first investment property
- Portfolio landlords with multiple properties seeking better rates
- Limited company (SPV) buy to let mortgages for tax efficiency
- HMO (Houses in Multiple Occupation) mortgages
- Multi-unit freehold block (MUFB) finance
- Holiday let and short-term rental mortgages
Frequently asked questions
Yes. Many landlords purchase via an SPV for tax efficiency. We'll help you decide which structure suits your situation.
Lenders typically require rental income to cover 125–145% of the monthly mortgage payment, depending on your tax band and property type.
Most lenders require existing homeownership, but some specialist lenders will consider first-time buyers. We'll identify who's suitable.
BTL mortgages often carry arrangement fees from the lender, plus our advice fee where applicable. We'll provide a full cost breakdown before you commit to anything.
Discuss your investment plans
Talk to a BTL specialist — free, no obligation.
Some buy to let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage.