Landlord & Portfolio Mortgages

Smart, straightforward finance for UK landlords

Looking to invest in rental property? Whether you’re a first-time landlord or expanding an established portfolio, securing the right buy-to-let mortgage is key to making your property investment work.

We’re a dedicated buy-to-let mortgage specialist supporting clients across the UK with tailored advice and quick access to funding. From single lets to HMOs and portfolio refinancing, we’ll match you with the lender and product that suits your investment strategy.

Explaining how buy to let works

Like a residential mortgage, the loan is secured against a property purchase – however the intended use for the property is that to generate rental incoming, in that the property will be let out to another resident. It is not to be used to finance a home you intend to use as your own residence.

A key differential between these and regular mortgages is that the lender looks not only at your affordability, but also takes into account the money the property will generate as a means to determine long-term repayment capability.

Depending on how complex your plans are, the terms on offer can vary vastly. The mortgage can be taken out by a personal individual, in joint names or through a company registered with the intent of buying and letting out the properties as a specialist entity.

We assist with:

First-time landlord applications
SPV and limited companies
Remortgages and capital raising
HMOs, MUFBs, and student lets
Short-term or Airbnb lets (select lenders)

As a trusted buy-to-let mortgage broker, we simplify the process, negotiate strong terms, and help you avoid any headaches.

Criteria to qualify for buy to let

When applying for your buy-to-let mortgage, lenders will typically look for the following:

Loan-to-value (LTV):

Usually they will lend up to 75%, though certain lenders may go higher than this

Rental yield coverage:

Normally to be around 125–145% of monthly repayments (stress tested)

Experience:

Previous landlord experience does help, but is not always essential to a lender

Property type:

Houses, flats, HMOs, and multi-unit blocks will all be considered as the property type

Applicant type:

Individuals, partnerships, companies, and SPVs accepted

Credit status:

Adverse credit can be considered, depending on the case

Once we have identified the best-fit product on the market, we will help you to structure and prepare a lender-ready application that can be submitted to get things going and underway.

Get a callback

Why a buy to let is advantageous:

Helps fund investment purchases when the clock is ticking

Applicable to those investing through a company

Perfect for building HMO and multi-use buildings

Aimed specifically for landlords and portfolio holders

Can be utilised by foreign investors or expats

6-month minimum ownership not enquired

Why work with a broker?

A buy-to-let mortgage broker who has reach nationally gives you the advantage of direct access to specialist lenders and products not available on the high street. We act fast, navigating all the complexities for you, with unbiased advice and support to help you get to where you need to be.

We can support you by:

Helping to create accurate rental calculations and stress testing
Structuring application for personal or limited company lending
Portfolio landlord guidance and consolidation
Transparent advice with clear objectives and solutions
Market access to the best UK buy-to-let mortgage providers

Apply online, quick and easy

We’ll provide tailored terms within 24–48 hours.

Perfect if you:

- Already have a property lined up
- Are remortgaging or releasing capital
- Need a quick turnaround
- Want to lock in a rate before market changes

What you’ll get:

- - Clear next steps
  - Fast, tailored terms
  - Full support from our specialist buy-to-let team

Submit your enquiry today and get your investment moving quickly and confidently.

Understanding buy to let further

Start to earn from your property

Whether you’re buying your first rental property or refinancing to increase your landlord portfolio, we make the process stress-free.With tailored guidance from our Buy to Let specialists, give us a call and see how we can help you build or further your investments in property.

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0207 408 2305

Landlord & Portfolio Mortgages

Smart, straightforward finance for UK landlords

Explaining how buy to let works

Like a residential mortgage, the loan is secured against a property purchase – however the intended use for the property is that to generate rental incoming, in that the property will be let out to another resident. It is not to be used to finance a home you intend to use as your own residence.

A key differential between these and regular mortgages is that the lender looks not only at your affordability, but also takes into account the money the property will generate as a means to determine long-term repayment capability.

Depending on how complex your plans are, the terms on offer can vary vastly. The mortgage can be taken out by a personal individual, in joint names or through a company registered with the intent of buying and letting out the properties as a specialist entity.

We assist with:

As a trusted buy-to-let mortgage broker, we simplify the process, negotiate strong terms, and help you avoid any headaches.

Criteria to qualify for buy to let

When applying for your buy-to-let mortgage, lenders will typically look for the following:

Loan-to-value (LTV):

Rental yield coverage:

Experience:

Property type:

Applicant type:

Credit status:

Why a buy to let is advantageous:

Helps fund investment purchases when the clock is ticking

Applicable to those investing through a company

Perfect for building HMO and multi-use buildings

Aimed specifically for landlords and portfolio holders

Can be utilised by foreign investors or expats

6-month minimum ownership not enquired

Why work with a broker?

Apply online, quick and easy

Understanding buy to let further

Criteria

FAQs

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Start to earn from your property

Why it pays to work with us

We work with:

High street lenders

Challenger and private banks

Specialist buy-to-let funds

Regardless how complex the case, we have the means and contacts to finance it for you.

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