What deposit do I need for a buy to let?

Most BTL lenders require a minimum 25% deposit (75% LTV). However, some specialist products are available from 15% deposit (85% LTV). The more deposit you can put down, the better rates available.

Should I buy through a limited company?

There can be tax advantages to purchasing through a limited company (SPV), particularly for higher-rate taxpayers. However, this depends on your individual circumstances. We'll discuss the pros and cons — we recommend speaking to a qualified accountant for tax-specific advice.

Can I get a BTL mortgage as a portfolio landlord?

Yes. Portfolio landlords (4+ mortgaged properties) face more complex underwriting, but we have extensive experience and access to specialist lenders who handle portfolio cases pragmatically.

Can expats get buy to let mortgages in the UK?

Yes. We work with specialist lenders who offer buy to let mortgages to British expats and, in some cases, foreign nationals. Criteria and rates vary by country of residence.

Can I mortgage a holiday let or Airbnb property?

Yes, subject to lender criteria. Some lenders specifically cater for holiday lets and short-term rental properties. We'll find the most suitable product for your investment.

What about flats above shops or restaurants?

Many high street lenders won't consider flats above commercial premises (especially hot food takeaways). We have access to specialist lenders who will consider these properties, often at competitive rates.

Buy to Let Mortgages | Portfolio, HMO, Ltd Company

Specialist Buy to Let Advice

Whether you're purchasing your first investment property or managing a portfolio of 50+, we have access to competitive buy to let rates from specialist lenders across the whole market. We understand the complexities of rental calculations, stress tests, portfolio lending, limited company structures and specialist property types that high street lenders won't touch.

What We Can Arrange

Up to 85% LTV on standard buy to let properties

Portfolio landlord applications (4+ properties) with specialist lenders

Limited company (SPV) buy to let structures

Holiday lets and Airbnb properties (subject to criteria)

Offshore limited company cases where suitable

Expat and foreign national buy to let lending

Top slicing / earned income support where rental yield falls short

HMO (Houses in Multiple Occupation) lending

Multi-unit freehold block (MUFB) finance

Gifted and inherited property mortgages

Low-yielding properties with top-up income structures

Adjacent units and property amalgamation

Flats above commercial premises (restaurants, takeaways)

Unusual construction (steel frame, timber, concrete)

Trust structure buy to let where suitable

Regulated family buy to let for family members

Rent a room mortgage arrangements

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Tell us about your investment plans — free, no-obligation consultation.

Typical Scenarios We Handle

• You're purchasing your first investment property and need 75% LTV
• You're a portfolio landlord with 4+ properties needing specialist advice
• You want to purchase through a limited company for tax efficiency
• You're an expat wanting to invest in UK property from abroad
• The rental yield doesn't quite stack up and you need top slicing
• You want to purchase an HMO or convert a property to HMO
• The property is above a commercial unit (takeaway, restaurant)
• You're buying a holiday let or Airbnb investment
• You've inherited a property and need to mortgage it
• You hold property in a trust structure

Limited Company Buy to Let

Purchasing through a Special Purpose Vehicle (SPV) limited company has become increasingly popular following changes to mortgage interest tax relief. We can advise on whether a limited company structure may be beneficial for your circumstances and connect you with specialist lenders who offer competitive limited company BTL rates.

We work with lenders who accept newly incorporated SPVs, existing trading companies, and offshore limited companies where suitable.

Portfolio Landlord Advice

If you own 4 or more mortgaged properties, you're classified as a portfolio landlord. This triggers additional underwriting requirements from lenders. We have extensive experience preparing portfolio landlord applications, including full property schedules, cashflow analysis and business plans where required. We know which lenders are the most pragmatic and competitive for portfolio cases.

Key Criteria

• Minimum deposit: Typically 25% (75% LTV). Some products available from 15% deposit (85% LTV).

• Rental coverage: Most lenders require 125–145% rental coverage at a stress rate of 5–5.5%.

• Minimum income: Some lenders require a minimum personal income of £25,000, others have no minimum.

• Property types: Standard houses and flats, HMOs, MUFBs, holiday lets, student lets and specialist properties.

• Ownership structure: Personal name, limited company (SPV), trust, partnership and offshore structures.

Some buy to let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on your mortgage.

Buy to Let Mortgages

Specialist Buy to Let Advice

What We Can Arrange

Get Expert BTL Advice

Typical Scenarios We Handle

Limited Company Buy to Let

Portfolio Landlord Advice

Key Criteria

Related Services

Let to Buy

Commercial Finance

Bridging Finance

Large Loan Mortgages

Expat Mortgages

Frequently Asked Questions

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