Mortgages · Buy to Let
Finance for landlords, from a single let to a portfolio.
Buy-to-let lending is assessed differently from residential mortgages — rental income, portfolio size and ownership structure all matter. We work with landlords at every stage, from a first rental purchase to complex, multi-property portfolios, in personal names or through a limited company.
Limited company (SPV) buy-to-let
A growing number of landlords buy through a limited company — usually a Special Purpose Vehicle (SPV) set up specifically to hold property — rather than in their own name. The right structure depends on your personal tax position, whether you're building a portfolio and how you plan to use the rental income, so it's genuinely a case-by-case decision rather than one that's automatically right for everyone.
Limited company buy-to-let is a specialist lending market in its own right: fewer lenders operate in it than personal-name buy-to-let, criteria and rates differ and lenders typically require personal guarantees from the company's directors. We regularly place limited company cases, including for portfolio landlords consolidating multiple properties into one structure.
We don't provide tax advice — whether personal or limited company ownership suits you is a conversation worth having with an accountant alongside your mortgage adviser. What we can do is make sure whichever structure you choose is matched to the right lender.
Some of the mortgages we conduct are not of a regulated nature, so the protection offered by regulation is not afforded to such contracts. These are mortgages such as Buy to Lets, some Bridging Loans, Commercial Loans and Development Finance.
Who this is for
- First-time landlords
- Portfolio landlords (4+ properties)
- Limited company (SPV) buy-to-let
- HMO and multi-unit properties
- Remortgaging an existing rental
- Let-to-buy (renting out your current home)
How it works
Mortgage Passport
Tell us about the property, expected rental income and your plans.
Structure review
Personal or limited company ownership — we help you understand the trade-offs.
Adviser match
A landlord specialist adviser takes on your case.
Agreement in Principle
Move to a formal lender AIP once terms are agreed.