From a first investment to a 30-property limited company portfolio — we know which lenders welcome your structure and stress-test in a way that lets you borrow what the deal deserves.
We arrange buy-to-let finance for investment and limited company landlords across single units, HMOs, multi-unit freehold blocks and larger portfolios.
Commercial, buy-to-let or bridging — get an instant, indicative breakdown, then email the figures or ask us to review a real requirement.
A buy-to-let mortgage funds property you let to tenants rather than live in yourself. Borrowing is assessed mainly on the rent the property earns, not your salary.
Most buy-to-let lending is interest-only, which keeps monthly costs down and maximises cashflow, with the capital repaid when you sell or refinance. Lenders advance up to around 75–80% of the value and assess affordability using an interest coverage ratio (ICR) — a stress test on the rent.
Lenders check that the monthly rent comfortably exceeds the mortgage interest at a notional "stress" rate. As a rule of thumb, rent usually needs to cover 125% of the interest for basic-rate taxpayers and limited companies, rising to around 145% for higher-rate taxpayers. The calculator above shows your ICR live as you change the figures.
Many landlords now hold buy-to-let property through a limited company or SPV for the way mortgage interest and profits are treated. Lender choice, rates and stress tests differ between personal and corporate borrowing — we'll point you to the lenders that suit your structure, though the tax position is one for your accountant.
A landlord buys a £250,000 property through an SPV with a £62,500 deposit, borrowing £187,500 (75% LTV) interest-only. At a 5.5% stress rate the interest is about £859/month; rent of £1,250/month gives an ICR of roughly 145% — comfortably within most lenders' requirements.
We deal only with unregulated buy-to-let for investment and business purposes, including limited-company and SPV borrowing. We do not handle consumer buy-to-let or any enquiry where you or an immediate family member will live in the property.
Competitive guide rates per annum, by case type.
Rates shown are indicative, per annum (p.a.), and exclude lender and professional fees.
These are indicative guide rates only — not a quote or an offer. The rate available to you depends on the quality of the deal, the loan-to-value, the asset and your circumstances, so your actual rate may be lower or higher. Rates are subject to change and to lender criteria and underwriting.
Usually up to 75–80% of the property's value, with the exact figure driven by the rent. The income has to pass the lender's interest coverage stress test, so higher rent supports a larger loan.
Both are common and each has trade-offs around tax, rates and lender choice. We'll show you the options on the lending side; the tax decision is best taken with your accountant.
Yes. HMOs, student lets and multi-unit freehold blocks are handled by specialist lenders who understand higher-yield property — we work with them regularly.
Often, yes — capital raising on existing buy-to-lets is a common way to fund the next purchase, subject to value, rent and the lender's criteria.
No. We deal only with unregulated buy-to-let for investment and business purposes. We do not handle an enquiry where you or an immediate family member will live in the property.
