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