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Free, no-obligation consultation

No upfront fees

Access funds within 24 hours

25 years' finance experience

Access to 100+ lenders

What is buy-to-let borrowing?

How does a buy-to-let mortgage work?

  • Buy-to-Let (BTL) mortgages are for landlords who already own (or plan to buy) property to rent out on either a commercial or residential basis.

  • Interest rates tend to be higher on BTL loans than on other commercial mortgage loans.

  • Some mainstream lenders will only lend on up to three properties.

  • For portfolio landlords (four or more properties), some specialist BTL lenders have no upper limit on the number of properties they will finance.

  • It’s essential to understand the lender’s eligibility criteria to ensure you get the best rates available.

Buy-to-let signs for residential properties

Product overview

£50,000 – £20,000,000

Low interest rates

No limit on number of properties

No fixed rates

LTV up to 80%

Up to 25-year term

Crane Construction

Client case studies

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Featured case study: Construction

We were contacted by a construction business needing £60,000 for tools, materials and to pay contractors for a new job they were due to start in just 3 weeks’ time. 


The client needed to keep repayments low until they had completed the job and could invoice the client for the final balance. Initially, we were only able to obtain a 12-month term approval but after negotiating, we were able to get the client a 5-year unsecured loan at a rate of 9% per annum, within just 4 days.

How can we help your business?

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Where to find us

Clear Idea Finance

Saracens House

25 St Margaret’s Green

Ipswich, Suffolk


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Copyright © 2021 Clear Idea Finance Limited. Made of Cheddar.

"Clear Idea Finance" and "Clear Idea" are trading names of Clear Idea Finance Limited, registered in England and Wales, company number 12802771. Registered office address: Saracens House, 25 St Margaret’s Green, Ipswich, Suffolk, IP4 2BN. Clear Idea Finance Limited operates in accordance with the Data Protection Act 1998, ICO registration number ZA798967. A commercial mortgage loan is secured against property, which may be repossessed if you do not keep up your loan repayments. Clear Idea Finance Limited acts as a commercial finance advisor and credit broker and not a lender.