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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.
£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
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.