Buy-to-let
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What is buy-to-let borrowing?
How does a buy-to-let mortgage work?
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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.
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Interest rates tend to be higher on BTL loans than on other commercial mortgage loans.
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Some mainstream lenders will only lend on up to three properties.
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For portfolio landlords (four or more properties), some specialist BTL lenders have no upper limit on the number of properties they will finance.
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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.
