Buy-to-let Mortgages
Let us help you find the best deal on your buy-to-let mortgage.
Frequently Asked QuestionsExcellent
614 reviews
LTV up to
80%Rates from
5.25%Loans from
£100kHow It Works
With our simple form, case management tools, and expert advisers; finding funding has never been simpler.
Let us know about you and what you would like to achieve.
Your assigned adviser will issue an indicative quote.
Review your offers and choose the best for you.
Valuations are conducted, formal offers made, funds are drawn.
Frequently Asked Questions
Need answers? We got 'em.
If you're considering investing through a limited company (SPV):
You might be under the impression that there's a minimum term a company must have been trading for, however there is no such requirement. In truth, you can get a mortgage arranged before setting up an SPV. A certificate of incorporation will be required before the mortgage can be completed.
Lenders will generally require the rental income to cover 125% of the mortgage payments if the mortgage is paid at an interest rate of 5.5%. To determine how much you could borrow you take the annual rental amount, divide it by 5.5% then divide the answer by 125%. For example with an annual rental income of £11,000 your calculation would be (11000 / 5.5%) / 125% = 160000.
You, as director, are the lenders main focus. They will be looking to ensure you can meet the terms of the mortgage. Your income, credit history, investment experience, job, and various other points are examined in the same way as a personal mortgage.
Generally directors will be required to give personal guarantees, meaning you will be personally obligated to fulfil the company's debt. This would be the difference in the value of the property against the amount owed.
Essentially, no. It's simply a personal mortgage in a convenient wrapper. There are a few points to consider though:
Lender arrangement fees are usually slightly higher, since there's more paperwork required for you and the company.
For the same reasons as above your solicitor costs will generally be higher.
Some lenders will require you get independent legal advice about the personal guarantee you need to give. This will mean getting another solicitor who is not connected with the purchase to explain the personal guarantee and witness you sign the agreement.
Less stringent affordability checks, which means you'll be able to borrow more.
Protect Your Business
Business protection insurance protects your business against the illness, disability or death of its directors or employees. Effectively you get personal life and income protection cover paid for by your business, with various tax benefits.
Excellent Service
Don't just take our word for it. Read our latest reviews.
Tom
Rated 5.00 stars out of 5
Shorted a great product very quickly and efficiently
Anonymous
Rated 5.00 stars out of 5
From the start of the commercial mortgage deal, Jo went out of her way to understand our requirements. She was professional, patient and calm throughout the whole process. Jo is extremely knowledgeable in the commercial mortgage world and without Jo and her team we would not have completed on our property. Thank you so much Jo!
Jain
Rated 5.00 stars out of 5
I’d like to extend my sincere appreciation to the B2B Finance team for their outstanding support in helping me secure a mortgage broker and guiding me smoothly through the entire process. Their communication was clear, timely, and reassuring at every stage, making what could have been a stressful experience feel seamless. A special thank-you to ...
Satnam Singh Talwar
Rated 5.00 stars out of 5
Jo McCarthy helped get us finance when we thought it was impossible. She is the best broker I have come across. Highly recommended
Andrew Aspell
Rated 5.00 stars out of 5
Tim Leverett provided a very professional service and was and easy to work with. Found us a good deal in todays market and provided a service over and above what we would normally expect. Assisted us greatly at every turn and dealt with a very unsupportive set of solicitors to ensure the mortgage was secured. Would definately recommend.
Bhupendra short)
Rated 5.00 stars out of 5
Jo McCarthy was excellent in offering a product that suited my needs and then following through on numerous queries or handling matters herself directly with the lender to achieve the end result.