Skip Navigation

Buy-to-let Mortgages

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

Excellent

Reviews.co.uk logo

364 reviews

LTV up to

85%

Rates from

2.4%

Loans from

£50k
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 Started Now

Excellent Service

Don't just take our word for it. See what our clients are saying.

Rated 5.00 stars out of 5
a month ago
Rebecca B

Steve Brundell at B2B Finance was excellent. He found a mortgage which suited our needs, was very diligent in following up with us and the lender, and very responsive to our questions. We would recomm...

Rated 5.00 stars out of 5
a month ago
Adem Esen

Darren Lund assisted me with the deal which was not straightforward. He was always willing to chase the lender for me and would answer my calls whenever I called him for an update which was often. He ...

Rated 5.00 stars out of 5
a month ago
Anonymous

Andrew Michael Jones I had a great experience with Andrew dealing with my commercial re-mortgage even though it wasn't initially a straightforward process. The fact we're in different parts of the co...

Rated 5.00 stars out of 5
a month ago
Anonymous

Andrew Rayner has been extremely helpful and fantastically efficient. I would recommend him as a broker to anyone.

Rated 4.90 out of 5 based on 364 reviews

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.