Buy to Let Mortgages

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Buy to let  Mortgages

WE SPECIALISE IN SOURCING MORTGAGE FINANCE ON BUY TO LET PROPERTY TRANSACTIONS IN THE UK

A buy-to-let mortgage is a specialised type of mortgage designed for individuals or investors who want to purchase residential properties with the intention of renting them out to tenants. Unlike a standard residential mortgage, which is intended for homeowners who will occupy the property themselves, a buy-to-let mortgage is tailored for those who plan to generate rental income from the property. These mortgages are offered by various financial institutions, including banks and building societies, and they typically have specific terms and conditions that reflect the unique nature of property investment.


When applying for a buy-to-let mortgage, lenders assess the potential rental income the property is likely to generate, alongside the borrower's financial stability. The loan amount and interest rates may be determined based on these factors, and lenders often require a larger deposit compared to regular residential mortgages. Additionally, it's important for borrowers to consider the costs associated with property maintenance, management, and potential periods of vacancy. Buy-to-let mortgages provide a means for individuals to enter the property investment market and potentially build a source of passive income through rental returns.

We provide high-quality mortgage solutions for UK and international clients.

  • Mortgage finance from £35,000
  • AVM’s available 
  • Market leading rates
  • Access to high street, private & specialist bank mortgage deals
  • Up to 80% loan to value (buy to let mortgages)
  • Large interest only mortgage, interest roll-up and offset mortgage options
  • 2nd charge mortgage options
  • Revolving mortgage options - unlock the equity in your main home & access funds whenever you need to
  • Solutions for UK expats (including seafarers), non-dom & foreign nationals buying or remortgaging UK property
  • Investment mortgages for buy to let, HMO, Multi Unit, Air BnBs and Portfolio landlord refinanceNew Paragraph

Finance FAQs

See below some common questions and answers below, or call us at 03332 423 447

  • What types of commercial properties qualify for financing?

    Most types of commercial properties such as offices, warehouses, retail buildings, and multifamily units can be financed, as long as they generate reliable income.

  • How does the loan-to-value ratio (LTV) affect financing?

    LTV ratio directly impacts how much finance a client can secure. Higher LTV ratios indicate higher risk for lenders, which usually translates to higher interest rates.

  • How is the interest rate calculated for commercial property loans?

    The interest rate for commercial property loans is calculated based on several factors, including the borrower’s creditworthiness, the property’s location and condition, loan term, and the size of down payment.

  • How much down payment is required for commercial property financing?

    Some lenders may require down payments as low as 10%, while others may require up to 40%. The down payment amount required depends on the type of property and the borrower's creditworthiness

  • What are the advantages of using a commercial property finance broker?

    A commercial property finance broker can help borrowers navigate the complex process of securing finance, negotiate more favourable loan terms, access a wider range of lenders and provide expertise on the market.

  • What are the typical loan terms for commercial property loans?

    The loan term for commercial property loans can range from one year (short-term) to 30 years (long-term). However, most commercial property loans range between 5-15 years.

  • What are the usual fees associated with commercial property loans?

    Fees include origination fees, appraisal fees, credit report fees, and legal fees, and other costs that vary depends on the type of loan, terms, and location.

  • Can first-time buyers get commercial property loans?

    Yes, first-time buyers can get commercial property loans, but some conditions might apply, such as higher interest rates, bigger down payments or lower LTV ratios.

  • What documentation is required to apply for commercial property financing?

    Generally, lenders require proof of income, business or personal tax returns, a detailed financial statement, and property details such as title deeds, leasehold agreements, and appraisal reports.

  • How long does it take to secure commercial property financing?

    Depending on the lender, securing commercial property financing can take anywhere from 2-4 weeks to several months.

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