Limited company and SPV buy-to-let
Buy and hold rental property through a limited company or special purpose vehicle, often with personal guarantees from the directors.
Buy-to-let mortgages
Buy-to-let mortgages for landlords and property investors
Buy your next rental property, remortgage your portfolio or move it into a limited company. We treat buy-to-let as the business it is, and match the property, the rent and the way you invest to a lender whose criteria fit.
What we arrange
Finance for every kind of rental property
From a single flat to a portfolio of HMOs, we arrange buy-to-let finance for investment property across England and Wales.
Portfolio landlords
Finance for landlords with four or more mortgaged rental properties, with lenders who look at the portfolio as a whole.
HMOs and blocks of flats
Houses in multiple occupation and multi-unit freehold blocks, valued on the rental income they produce.
Holiday lets and serviced accommodation
Mortgages for furnished holiday lets and short-stay properties, assessed on expected seasonal income.
Remortgage and capital raising
Move to a better rate when your fixed term ends, or release equity to fund your next purchase.
Bridge to let and refurbishment
Buy a property that needs work with bridging finance, then refinance onto a buy-to-let mortgage once it's let.
At a glance
Typical buy-to-let mortgage terms
Lenders mainly look at the rent the property earns, as well as your experience and the deposit.
| Loan size | From £50,000 per property; portfolios to £10 million+ |
|---|---|
| Loan to value | Typically up to 75%, with some lenders at 80% |
| Term | Up to 35 years |
| Rental cover | Rent usually 125% to 145% of the mortgage interest at the lender's test rate |
| Repayment | Interest-only or capital and interest, on fixed or tracker rates |
Indicative ranges across the lenders we work with. Actual terms depend on the lender, your business, the security offered and status. Finance is subject to lender approval.
Who it's for
- Landlords and property investors buying as a business
- Limited companies and SPVs holding rental property
- Portfolio landlords with four or more mortgaged properties
- Investors buying HMOs, blocks of flats or holiday lets
- Landlords moving properties into a limited company
What lenders will usually ask for
- A deposit, typically 25% of the purchase price
- The expected rent, from a letting agent or existing tenancy
- A schedule of any properties you already own and their mortgages
- Proof of income and identity for each applicant or director
- For companies: Companies House details and directors' guarantees
How it works
From first call to funds in your account
Tell us what you need
A short enquiry or call about the amount, the purpose and your business.
We build your case
We prepare the figures, security and story in the format lenders expect.
We approach lenders
We go to the lenders whose appetite fits your deal and negotiate terms.
We see it through
We manage valuations, solicitors and conditions until funds are released.
Questions
Buy-to-let mortgages FAQs
Can I get a buy-to-let mortgage through a limited company?
Yes. Many lenders now lend to limited companies and special purpose vehicles set up to hold rental property, usually with personal guarantees from the directors. Whether a company structure suits you depends on your tax position, so speak to your accountant as well.
How much deposit do I need for a buy-to-let mortgage?
Usually 25% of the purchase price. Some lenders accept 20% for the right property and borrower, and specialist property types such as HMOs or holiday lets can need more.
How do lenders work out how much I can borrow?
Mainly from the rent. Most lenders want the monthly rent to cover the mortgage interest by 125% to 145%, worked out at a test rate rather than the actual rate. Your income, experience and other properties are also taken into account.
What is a portfolio landlord?
A landlord with four or more mortgaged buy-to-let properties. Lenders look at the whole portfolio, including rents, borrowing and your business plan, rather than just the property you are buying.
Do you arrange buy-to-let for a former home or a property let to family?
No. We arrange buy-to-let mortgages for business and investment purposes only. Letting a property to family members, or letting out a former home you did not buy as an investment, falls under different rules, and we will point you to a specialist adviser.
Related finance
Other ways we can help
Commercial mortgages
Owner-occupied and investment property finance.
Find out moreBridging finance
Short-term property finance when timing matters.
Find out moreCommercial finance
Business loans, revolving credit and invoice finance.
Find out moreBuying, remortgaging or growing a rental portfolio?
Two minutes to enquire. A broker replies within one working day.