Buy to let mortgages for landlords at every stage.

Landlords arrive at very different points: a first rental bought personally, a dozen properties held in an SPV, a fixed rate falling due, a portfolio being restructured for tax. Each sits with a different set of lenders.

Buy to let is assessed on the property, not your salary: lenders test whether the rent covers the interest by a set margin (the interest cover ratio) and cap the loan at a share of the value. Property type matters: an HMO, a student let or a mixed-use building each carry their own loading and limits, as does your credit history, which sets the rate tier you start from.

We arrange lending for individuals, portfolio landlords and limited-company (SPV) structures, on two, three and five-year fixed rates or tracker products, with terms that can run beyond twenty-five years. Whether you are purchasing, remortgaging at the end of a fixed period or raising capital against equity to fund the next acquisition, the structure follows the portfolio rather than the other way round.

A portfolio brings its own questions: how a lender stress-tests the properties you already hold, whether personal or company ownership suits you better, and how many properties any one of them will take. Those answers decide where a case is placed, and they are worth settling before an application goes in.