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Buy-to-Let Mortgages for Brokers

From single lets to MUFBs, HMO’s, complicated tenant profiles (including SPVs and expats), we will structure a buy-to-let mortgage solution that makes sense to your client from day one.

Our team knows exactly how each lender looks at ICR, portfolio leverage, property type and landlord experience.

Because being clever means placing deals that stand up to due diligence and not fall apart during underwriting.

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For brokers and introducers. We partner with advisers on their clients’ cases. Looking for finance yourself? See our buy to let mortgages page.

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Clever Lending Team

What Makes Us So Clever

We don’t just “find rates.” We navigate the entire process for you. If your client is refinancing to release equity, switching from a bridging loan, or expanding into multi-unit or HMO territory, our team will find the best possible terms and structure the case around the property, the rental income, and their future strategy.

Buy-to-Let Mortgage Overview

Access to exclusive buy-to-let rates
Loans up to £25m+
Up to 85% LTV
Single lets, HMOs, MUFBs and portfolios
Individuals, SPVs, LLPs and LTD companies
Expat and foreign nationals accepted
Bridge-to-let and refurb-to-let options available
Terms from 2–30 years
Interest-only or capital-and-interest repayment options
Lending across England, Scotland, Wales and Northern Ireland
Flexible stress testing for higher-rate taxpayers and complex income
No ERC or exit fees with many lenders
Buy-to-Let Mortgages

How Clever Lending Handles a Buy-to-Let Case

Typical Timings: Most buy-to-let cases complete within 6-8 weeks once valuation and legals are underway. Portfolio and multi-unit cases can take longer but we’ll set realistic expectations upfront and keep you informed of progress throughout.

Same-Day Sense Check

Send the outline: property type, loan amount, expected rent, borrower profile and any quirks. We’ll come back within 24 working hours with target lenders and the likely structure.

Lender-Specific Pack List

One checklist per lender and no blanket uploads. Fewer uploads means fewer re-underwrites.

DIP → Valuation → Offer

We request the signed Decision in Principle (DIP), instruct valuation once the pack lands, and outline conditions in clear terms you can pass straight to your client.

Legals & Completion

We keep legals on track and update you at each stage of the process. If a date moves, you’ll hear it from us first, with a new date confirmed.

What To Have Ready

Get the essentials lined up early so we can move quickly for your client.
Here’s what we’ll need to sense-check your buy-to-let mortgage case and get it lender-ready.

Core Details:

  • Property address and type (single let, HMO, MUFB)
  • Loan amount, term & purpose
  • Purchase price or current valuation
  • Expected rent & tenancy type
  • Borrower background & structure
  • Portfolio size (if applicable)

Documents:

  • ID and proof of address for all applicants
  • Portfolio schedule (if relevant)
  • Tenancy agreements / ASTs
  • 3-6 months’ bank statements
  • Existing mortgage statements
  • Company accounts or SA302s
  • Valuation access contact

Buy-to-Let Case Studies

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Speak To Someone Clever About Buy-to-Let Mortgages

Refer your case, and we’ll come back within 24 working hours with a realistic route and a clear list of what we need to issue formal terms. If, for whatever reason, the case doesn’t fit, we will tell you immediately and explain exactly why.

There are no fees payable until we have a solution, and you will always speak to an advisor, not to a triage team passing you on. We believe in speaking to an expert from the start.

Call 0800 316 2224 Request A Callback
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Buy-To-Let FAQs

Yes. We can also arrange a bridge-to-let to give you time to complete works before letting the property out.
Typically, 125–145% ICR, depending on rate, term, and taxpayer status. We’ll confirm the right calculation upfront.
Often, yes. With the right borrower profile and supporting income. We will check your client’s affordability prior to submitting the application.
Not automatically. We review the full picture and check lender criteria before letting you know your client’s options.
It depends on the product and rate. We model ICR at the outset and show alternatives. For example, a 5-year fix versus a 2-year plus fee impacts.
Yes. We’ll present the case to those lenders who accept first-time landlords. Expect closer scrutiny on income, deposit, and property type in some cases, though.
Yes. It may affect the criteria and documentation. Clean SIC codes and personal guarantees are common for SPVs, and we’ll provide a lender-specific pack list.
They can, depending on room sizes and individual lender criteria. We’ll check this at the outset. Where an HMO licence is required, this will usually need to be in place by the time the loan completes.
Additional KYC checks may apply. We’ll confirm lender criteria to ensure your client’s country of residence is acceptable and will let you know upfront if this results in any pricing or rate adjustments.
Both interest options are available. Many landlords choose interest-only for cash flow; we’ll set out the long-term cost differences so your client can decide their best option.
BTL procuration fees typically sit between 0.4 and 0.7% of loan, paid on completion. Specialist BTL lenders (limited company, portfolio, HMO) often pay at the higher end of the range. We disclose the proc fee on terms so brokers can structure client fees transparently, and pay out on the day funds release.
Portfolio cases (4 or more mortgaged BTLs) require a full portfolio schedule, business plan, cash-flow forecast and aggregate stress-tested LTV and ICR. Many lenders want the property spreadsheet in their own template. We issue each lender's portfolio template at the terms stage and help brokers populate it correctly first time, which avoids the most common cause of underwriter referral.
We use the full SPV BTL lender panel, including specialist lenders that price competitively for newly-incorporated SPVs, holding-company structures and director personal guarantees. We benchmark rates across the panel for each case rather than defaulting to a single lender, which often saves clients 0.25 to 0.5% versus going direct.
Bridge-to-let combines a short-term bridge (funding the purchase and any refurbishment) with a pre-agreed BTL refinance on completion of works. We arrange both stages with the same case team, lock in the term lender's appetite at the bridge stage, and align valuation timing so the refinance can complete without delay once works are signed off.
HMO lenders look at licensing (mandatory, additional or Article 4), room sizes against local authority standards, fire safety compliance, and the borrower's HMO experience for larger schemes. Rental valuation is typically based on either single-let comparable (more conservative) or room-by-room valuation (more aggressive). We match HMO cases to lenders whose valuation method maximises the loan.
Yes. A handful of specialist BTL lenders accept top-slicing, using surplus personal income to bridge the gap between rental income and the ICR requirement. It is particularly useful for higher-rate-taxpayer landlords with moderate yields. The lender assesses personal affordability alongside rental coverage. Documentation includes payslips, tax returns and a budget breakdown.
Several specialist BTL lenders accept British expats, with a narrower pool for foreign nationals. Most expat BTL lenders cap LTV at 70 to 75%, accept major-currency overseas income and require enhanced KYC. We know each lender's currency list, minimum income thresholds and excluded jurisdictions, so we don't waste your client's time on cases that won't land.
Yes. Most BTL remortgage products include free standard legals and a free valuation, particularly on like-for-like remortgages with no capital raise. Capital-raising remortgages and limited-company remortgages may incur fees. We model the all-in cost (rate plus fees plus legals) on every quote so brokers can present a clear comparison.
A standard BTL purchase or remortgage typically completes in 6 to 8 weeks from full submission. SPV, portfolio, HMO and complex-income cases run 8 to 12 weeks. We pre-instruct valuations at the terms stage and run broker-facing milestone updates so the broker can keep the client and the conveyancer aligned to the lender's timeline.

More process and commercial questions, covering referrals, packaging, fees and payment, are answered in our broker FAQs.

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