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Buy-to-let Mortgages

Let us help you find the best deal on your buy-to-let mortgage.

Frequently Asked Questions

Excellent

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497 reviews

LTV up to

80%

Rates from

2.79%

Loans from

£100k
Typically no broker fee. Save between £500 - £2000
Individual and Limited company specialists
Access to over 200 lenders
Terms up to 30 years

How It Works

With our simple form, case management tools, and expert advisers; finding funding has never been simpler.

Complete online enquiry

Let us know about you and what you would like to achieve.

Indicative quote

Your assigned adviser will issue an indicative quote.

Offers from lenders

Review your offers and choose the best for you.

Lender chosen

Valuations are conducted, formal offers made, funds are drawn.

Get Quote

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.

There is potentially significant tax advantages by using a limited company, however you should always speak with a chartered accountant or specialist tax adviser before making any investment structure decisions.

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.

Matthew wilkinson
Rated 5.00 stars out of 5

had a fantastic experience with B2B Finance. From the start Hardeep was incredibly, personable, helpful and knowledgable, she helped me at every step and I wouldn’t deal with anyone else I appreciate B2B Finance And a look forward to continue working with Hardeep. Thank you

Jemma Goulding
Rated 5.00 stars out of 5

Iain (Humber) has been such a great help with arranging a few re-mortgages for us to look at and eventually go ahead with. The whole process was a smooth one, and we very much appreciate his help and quick responses. I would 100% recommend Iain to anyone who requires financial advise etc.

Ram Godhania
Rated 5.00 stars out of 5

I have dealt with Amanda Worthington she fantastic very quickly got me offers on application. she best for Mortgages I would like to Thank You for your support. I would highly recommend her for mortgage financial services

Matthew
Rated 5.00 stars out of 5

had a fantastic experience with B2B Finance. From the start Hardeep was incredibly, personable, helpful and knowledgable, she helped me through each step of requiring the mortgage and I wouldn’t go with another broker now I have used her

Nick Porter
Rated 5.00 stars out of 5

Tim Leverett was brilliant. I've worked with Tim a couple of times now and have been really impressed with him. Sound advice, extensive experience, and a great working relationship with Lenders so he helps get any problems sorted. Highly recommend

James West
Rated 5.00 stars out of 5

We have been very impressed with the service provided by B2Bfinance. Our broker, Iain Humber, was extremely helpful and made the process of securing commercial funding as straightforward as possible.

Rated 4.91 out of 5 based on 497 reviews

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

About Us

Legalwebb UK Ltd T/A B2Bfinance.com is authorised and fully regulated by the FCA. Ref: 734694.

B2Bfinance.com operates as a commercial finance broker and is not a lender. B2Bfinance.com is a full member of the financial intermediary and broker association (FIBA) and operates under its code of practice.

Contact Info
  • 0116 298 7376
  • info@b2bfinance.com
  • B2Bfinance.com, 169 London Road, Leicester, LE2 1EG
  • Monday - Friday, 9am - 5pm
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