Buy to let mortgages
Property Finance Sectors We Support
We arrange property finance across a wide range of sectors, from short-term bridging and development funding to buy to let, commercial, portfolio, and international property finance. Each type of lending is designed for a different purpose, and choosing the right structure can make a significant difference to speed, flexibility, and long-term cost.
Buy to let mortgages
What are they
Buy to let mortgages are designed for residential properties that are being purchased or refinanced as investment assets rather than as the borrower’s own home. They are one of the most common forms of property investment finance in the UK.
Who uses them?
They are mainly used by private landlords, first-time investors, limited companies, and experienced property investors.
What they are used for?
Buy to let mortgages are typically used to:
- purchase rental properties
- refinance existing buy to let assets
- raise capital against investment properties
- improve cash flow through better rates or terms
- build a long-term residential investment portfolio
These mortgages are generally assessed based on rental income as well as the borrower’s wider circumstances, and can be arranged for single properties or more complex investment structures.
Property Finance
We arrange property finance across a wide range of sectors. Each type of lending is designed for a different purpose, and choosing the right structure can make a significant difference to speed, flexibility, and long-term cost.
Property Finance – At a glance
- Bridging loans – Short-term finance used to secure property quickly, bridge a funding gap, or refinance before a sale or long-term mortgage.
- Development finance – Funding for ground-up builds, conversions, and major refurbishment projects, usually released in stages.
- International property finance – Specialist finance for overseas property transactions, non-UK residents, expatriates, and cross-border investors.
- Commercial property finance – Finance for business-use properties such as offices, shops, warehouses, and mixed-use assets.
- Buy to let mortgages – Mortgages for residential investment properties that are rented out rather than owner-occupied.
- Portfolio finance – Structured funding for landlords and investors with multiple properties, often used to refinance or grow a portfolio.
