Finance for residential and commercial investment properties.
Buy-to-let and commercial investment mortgages are longer-term facilities assessed on the rental income the property produces as well as the value of the asset.
Whether it is a single let, an HMO, a multi-unit block or a commercial unit with a tenant in place, we source terms from lenders whose criteria match the asset, the ownership structure and your plans.
- Term
- Typically 2 – 25 years
- Basis
- Loan to value and rental cover (DSCR / ICR)
- Borrower
- Individuals, limited companies, SPVs
- Asset
- Residential, HMO, MUFB, commercial, semi-commercial
Typical parameters. Every facility depends on the lender, the security and the transaction.
When btl is the right tool.
- Purchase of residential buy-to-let property, personally or through a limited company
- HMOs and multi-unit freehold blocks
- Commercial and semi-commercial investment property with tenants in place
- Portfolio landlords consolidating or expanding
- Exit from a bridging or refurbishment facility onto a term product
- 01
Income-led
Assessed on rental cover, giving landlords a clear view of the leverage available.
- 02
Structure options
Personal, limited company, SPV and portfolio structures.
- 03
Long-term certainty
Fixed and variable products with terms that match your hold period.
- 04
Bridge-to-let
Seamless transition from short-term to term funding once works complete.
From first conversation to funds released.
- 01
Property and income review
We confirm value, rental income and the ownership structure.
- 02
Lender matching
Criteria differ widely across lenders; we go to those that fit the asset.
- 03
Application and valuation
Full application, valuation and underwriting.
- 04
Offer and completion
Formal offer issued, legal work completed, funds released.
Frequently asked.
Primarily on rental cover: the rent must exceed the interest cost by a lender-set margin, often stressed at a higher notional rate. Personal income may also be considered.
Yes. Many lenders offer products for limited companies and SPVs, and this is a common structure for portfolio landlords. Tax treatment differs, so take advice from your accountant.
Tell us about your deal.
Start with the basics. We'll come back with an initial view and the questions that actually matter.
Question 2