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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.