Buy to Let Mortgages
Four properties or forty — we finance portfolios as a strategy, not one mortgage at a time. Personal name or limited company, purchase or refinance, vanilla or complex.
Built for the professional landlord
Lenders now assess portfolio landlords on the whole book: aggregate LTV, rental cover across every property, and business plans. We prepare that picture professionally, so underwriters say yes faster and on better terms.
- Limited company (SPV) buy-to-let, including transfers from personal name
- Portfolio remortgages coordinated across multiple properties and lenders
- Top-slicing where rental income alone doesn't stack
- Holiday lets, student lets and short-term letting models
- Capital raising against the existing portfolio for the next purchase
Personal name or limited company?
It's the first question every serious landlord asks, and the honest answer is: it depends on your tax position, growth plans and exit horizon. We model both routes with real lender pricing — then you decide with your accountant on facts, not folklore.
Rates for limited-company lending have narrowed dramatically against personal BTL, and the specialist market now competes hard for professional landlords. The gap that made incorporation 'not worth it' five years ago has largely closed.
Answered before you ask
Yes — it's treated as a sale to the company, so stamp duty and potentially capital gains tax apply, and the company needs its own mortgage. For larger portfolios, incorporation relief may be available. We coordinate the finance side while your accountant confirms the tax treatment.
Four or more mortgaged buy-to-lets under UK rules. From that point lenders must review your entire portfolio on every application — which is exactly where professional preparation starts paying for itself.
Typically 25% of the purchase price, with the strongest pricing from 40% equity. The rental income must also cover the mortgage by a set margin — we calculate the exact figures for your property before you offer.
Ready to scale the portfolio?
Bring us the spreadsheet. We'll bring the lending strategy that makes the next three purchases possible.
Request a private consultation