Property Finance
Buy to let finance for portfolios that keep growing.
Individual, limited company and portfolio landlord lending to 80% LTV.
- Facility range
- £50,000 to £10m
- Term
- To 30 years
- Maximum LTV
- To 80% LTV
- Ownership structure
- Individual, SPV or portfolio
What it is
For most portfolio landlords the tax treatment favours a limited company SPV, though it is a question for your accountant rather than us. Lender pricing on SPV lending is now close to personal-name rates, which has changed the arithmetic for a lot of landlords who bought personally years ago.
Affordability is assessed on rental cover against a stressed pay rate, typically 125% to 145% depending on tax status and product type, not on your personal income. HMOs, multi-unit blocks and holiday lets are all fundable, but through specialist lenders rather than high street ones, and refinancing an existing portfolio to release equity is often the fastest way to fund the next purchase.
Most buy to let mortgages are not regulated by the Financial Conduct Authority. Where a regulated agreement is required, we will introduce you to an authorised firm.
Who it suits
- Landlords buying through a limited company SPV
- Portfolio landlords refinancing to release equity for the next purchase
- Owners of HMOs, multi-unit blocks or holiday lets
- Expat landlords holding UK property
Start an enquiry
Tell us what you need to fund.
How it works with us
01
We confirm the ownership structure, personal name, SPV or existing portfolio
02
We stress test rental cover against the lender's pay rate before we submit
03
Terms return within 24 hours from a panel that covers HMOs and holiday lets
04
Completion follows your solicitor's timeline, coordinated with the lender
Questions
Related products
You might also need.
Commercial Mortgages
Owner-occupier and investment lending to 75% LTV.
£100,000 to £25m
Bridging Finance
Short-term property finance arranged at speed, exit-led.
£50,000 to £25m
Development Finance
Land and build funding drawn in stages against certified progress.
£250,000 to £50m
Or see the full range of commercial finance we arrange.
