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Buy-to-Let Mortgages

UK Mortgages

Buy-to-let mortgages are designed for investment property, where lending is primarily assessed on the expected rental income and overall yield of the asset. These structures can be used for single properties or larger portfolios, with terms tailored to the borrower’s strategy and the performance of the investment.

In higher-value or more complex scenarios, lenders may also consider the borrower’s wider financial position, particularly for portfolio investors or those acquiring assets in prime locations. We work with high street banks, private banks, and specialist lenders to structure buy-to-let solutions aligned to each transaction.

Indicative Terms

Scenario

Loan-to-Value (LTV)

Pricing

Notes

Standard Buy-to-Let

Up to 75%-80%

From 4.75%+

Rental income-based

Portfolio Lending

Up to 70-75% LTV

From ~5.0%+

Multiple properties 

Prime / High-Value Buy-to-Let

60-70% LTV

From ~5.0%+

£1M+ assets

Interest-Only Buy-to-Let

Up to 75%

From ~4.75%+

Common structure

Limited Company (SPV)

Up to 75%

From ~5.0%+

Corporate ownership

 

Important

Buy-to-let mortgages are assessed based on rental income and yield. Indicative terms shown for guidance only. Pricing and leverage vary depending on the property, tenant profile, and overall structure.