Buy-to-let Mortgages
Let us help you find the best deal on your buy-to-let mortgage.
Frequently Asked QuestionsLTV 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.
Anonymous
Rated 5.00 stars out of 5
I dealt with Paul who sources and managed the mortgage process for our holiday let. He was extremely professional from star to fin, keeping us informed of the application process at each step. I would certainly use B2B finance again.
Sarfraz Ahmed
Rated 5.00 stars out of 5
Had a great experience with B2B, David Holloway was an expert in the field and assisted us in securing finance for our business. A real professional outfit with knowledgeable and experienced people. Really happy with the outcome. Thanks B2B and David.
Longwood Capital Ltd
Rated 5.00 stars out of 5
Working with Jayne King has been an excellent experience, she supported us with advice and speedy responses to any queries, and guided us through all aspects of obtaining a mortgage for our first buy to let project. She kept us updated throughout the process, and ensured the project remained on track. Excellent service.
Khalida
Rated 5.00 stars out of 5
David Holloway, worked hard at getting my buy to let mortgage despite some absolute ridiculous hurdles places by various elements of the process. He was tenacious and got my mortgage across finish line. Thank you 🙏👍
"Ravikumar"
Rated 5.00 stars out of 5
Darren Lund is amazing chap Very helpful Always on the ball and answered all questions and transaction was so smooth I would definitely recommend him All the best
"Ravikumar"
Rated 5.00 stars out of 5
Darren Lund is amazing chap Very helpful Always on the ball and answered all questions and transaction was so smooth I would definitely recommend him All the best