Buy-to-Let Finance

We arrange buy-to-let finance for portfolio landlords and limited company (SPV) landlords who let property as a business or investment.

Who this is for

• Landlords purchasing through a limited company or SPV
• Portfolio landlords (typically four or more mortgaged buy-to-let properties)
• Investors refinancing after a bridge or refurbishment
• HMO and multi-unit freehold block investors

Important

We arrange unregulated buy-to-let finance for investment purposes only. We do not arrange consumer buy-to-let or any lending on a property that you or a member of your family live in, or intend to live in.

Typical features (illustrative)

• Term: typically 2–25 years
• Loan-to-value: typically up to 75%, subject to rental cover
• Affordability: typically assessed on rental income against lender stress tests
• Products: fixed and variable rates, interest-only or repayment

Bridge-to-let

Buying a property that needs work? A bridge followed by buy-to-let refinance can be planned together from day one so your exit is clear.