Buy to Let Mortgages

Build your property investment portfolio with expert BTL mortgage advice. From single properties to large portfolios, we'll find the right financing solution for your investment strategy.

Property investment portfolio

The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Buy to Let Mortgage Types

Whether you're a first-time landlord or experienced investor, we have the right BTL solution for you.

Standard BTL

Perfect for first-time landlords or those with smaller portfolios looking to invest in residential properties.

  • 25% minimum deposit
  • Competitive rates
  • Up to 75% LTV
  • 2-5 year fixed rates
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Portfolio BTL

Specialist mortgages for experienced landlords with 4+ properties, offering enhanced lending criteria.

  • Portfolio assessment
  • Enhanced lending
  • Flexible criteria
  • Competitive rates
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HMO Mortgages

Houses in Multiple Occupation financing for properties with 3+ unrelated tenants sharing facilities.

  • Specialist HMO lenders
  • Higher rental yields
  • Licensing support
  • Up to 75% LTV
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Property Investment Strategies

Different approaches to building wealth through property investment.

Capital Growth

Focus on properties in areas with strong growth potential for long-term capital appreciation.

Rental Yield

Target high-yield properties that generate strong monthly rental income and cash flow.

Refurbishment

Add value through renovation and improvement projects to maximise returns.

BTL Mortgage Requirements

Understanding what lenders look for in buy-to-let applications.

Key Lending Criteria

Personal Income: Minimum £25,000 per year
Rental Coverage: 125-145% of mortgage payment
Deposit: Minimum 25% of property value
Stress Testing: Rates tested at 5.5%+

Quick BTL Calculator

These figures are only illustrative. All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An assessment of your needs will be confirmed before a recommendation can be made.

Ready to Start Your Property Investment Journey?

Let our BTL specialists help you build a profitable property portfolio with the right mortgage solutions.

Quick portfolio assessment
Specialist BTL lenders
Competitive rates