Buy-to-let Mortgages
Let us help you find the best deal on your buy-to-let mortgage.
Frequently Asked QuestionsExcellent
546 reviews
LTV up to
80%Rates from
4.99%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.
Alison
I highly recommend Paul Misner of B2B. My refinancing was happening just as rates were rising. Paul provided excellent advice, calm guidance and was timely and professional in execution. The entire process was calm and constructive with Paul managing communication between the different parties. Thank you Paul Kind regards Alison
James A
I have used David Holloway at B2B Finance for many years now and it is without doubt a 5 star service handling sourcing and arrangement of commercial mortgages for me. David (and B2B Finance) are a pleasure to deal with, going the extra mile and delivering a positive outcome. I have a built a strong and trusting relationship with David who would al...
James
Broker Andy Small Fantastic and dedicated service. Went above and beyond broker remit to compensate for poor solicitor. Very helpful and efficient. Will definitely use again, great aftercare also. 10/10 recommend Andy Small
Hedley Manton
Having recently completed a commercial purchase which was facilitated by Ian Brooks at B2B finance. Ian provided an exceptional service from start to finish ensuring the transaction was monitored on a daily basis all the way through to completion. Ian was in constant contact with me throughout the process whilst also liaising with the lender an...
Tito
Sincere appreciations to Jodie Stevenson of B2B Finance. I recently decided to take on a mortgage as a limited company, and working with Jodie was a pleasant experience, she's knowledgeable and personable. I am particularly impressed with how she offers well balanced and duly explained options, on a timely basis. It's been a pleasure working wit...
Mr Sanjiv Shah
Had been such a great experience from the beginning to the end of the transaction. Tim Leverett at B2B finance have been so cooperative on every step of completion. Will definitely use B2B for my next big loan switch, it has saved me over 60k and for sure have done justice for using B2b. Truly satisfied. Recommend to anyone and everyone. Queri...