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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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384 reviews

LTV up to

75%

Rates from

2.4%

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

Protect Your Business

Business protection insurance protects your business against the illness, disability or death of 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.

Rated 5.00 stars out of 5

At a time of economical uncertainty and major banks restricting lending in some sectors due to the pandemic, Jo at B2Bfinance sourced a number of commercial mortgage options, and secured us a favourab...

Mr Dhiman
Rated 5.00 stars out of 5

A BIG thank you to Hardeep Mann for making our dreams come to reality. Our previous broker gave up searching for new lenders to provide the funding for our the commercial purchase and also wanted more...

Rated 5.00 stars out of 5

B2B Finance was very professional and diligent in helping me secure the mortgage and help deal with a number of difficult issues along the way.

Dan P
Rated 5.00 stars out of 5

Many thanks to Kieran for the support and guidance provided for my commercial refinance application. I would strongly recommend B2B as a partner on your mortgage applications. My greatest appreciation...

Rated 4.90 out of 5 based on 384 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.

Your property may be repossessed if you do not keep up repayments on any debt secured against 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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