Commercial Finance
Buy-to-Let Mortgages for Landlords and Property Investors
Business buy-to-let lending for single lets, HMOs, holiday lets, multi-unit blocks and portfolios, held through a limited company or personally on an investment basis. Specialist lenders, portfolio underwriting and structures that stand up to the numbers.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Lending Built Around the Portfolio, Not Just the Property
Buy-to-let has moved a long way from a single high street product. Tax changes have pushed most new purchases into limited company structures, stress testing has tightened, and portfolio landlords are now underwritten across every property they hold rather than the one being bought.
That complexity is where a specialist broker earns their fee. HMOs, holiday lets, multi-unit freehold blocks, properties above commercial premises, expat and non-standard construction cases all need lenders who genuinely want that business — and there are far more of them than a comparison site suggests.
We arrange business buy-to-let lending only: property bought and held as an investment, whether through a limited company or in your own name on a business basis. We do not arrange regulated mortgage contracts or consumer buy-to-let — broadly, lending on a property you or a family member will live in, or on one you did not buy as an investment, such as an inherited or previously owned home. If your case falls there, we will say so early and point you to an FCA-authorised adviser.
Explore Your Finance Options
What We Arrange
Buy-to-let lending across:
- Limited company (SPV) and personal-name investment purchases
- HMOs, student lets and multi-unit freehold blocks
- Holiday lets and serviced accommodation
- Portfolio remortgages and capital raising
- Portfolio landlords adding to an existing property business
- Expat, non-resident and non-standard construction cases
What This Means for You
Access beyond the high street
Specialist and intermediary-only lenders take a far more considered view of HMOs, holiday lets and company structures.
Capital released to grow
A well-timed portfolio refinance can free the deposits for your next two or three purchases.
Stress tests understood upfront
We check rental cover before you offer, so you are not renegotiating a price after a valuation lands short.
Investor-to-investor advice
Our founder invests in property personally, so the conversation covers yields and exits, not just paperwork.
Frequently Asked Questions
Should I buy in a limited company or my own name?
For many higher-rate taxpayers building a portfolio, a limited company structure is more tax-efficient because mortgage interest remains a deductible cost. It is not universal — company rates are often slightly higher and extracting profit has its own tax cost. Take advice from your accountant on the tax position, and we will arrange the lending to suit whichever route you choose, provided the purchase is on a business or investment basis.
How much deposit do I need for a buy-to-let?
Commonly 20% to 25% of the purchase price, with the sharper rates generally sitting at 75% loan-to-value or below, though this varies by lender and product. The binding constraint is often rental cover rather than deposit: lenders typically want the rent to cover a set percentage of the mortgage payment at their own stress rate, which can cap borrowing before the deposit does. We will check the specific lender’s calculation for your case.
Can I get a mortgage on an HMO or holiday let?
Yes, through specialist lenders. HMO lending is usually assessed on the property’s room-by-room rental income, and larger licensed HMOs may be treated as commercial. Holiday lets are typically underwritten on averaged low, mid and high-season income. Both need the right lender from the start — a mainstream BTL application will simply be declined.
Explore Your Finance Options
Tell us about the property or the portfolio and we will show you what is achievable, at what cost, and how quickly.