Landlord finance, stress-tested against reality.
Personal name or SPV limited company. First rental or twentieth. We structure lending around your tax position, cash flow and long-term plan.
Buy-to-let lending solutions
Ltd company (SPV) lending
For higher-rate taxpayers, Section 24 restructuring, and multi-property portfolios.
HMO & multi-unit blocks
Specialist lenders, higher gross yields, correctly packaged licensing evidence.
Holiday & short-lets
Airbnb-friendly products from lenders that understand seasonal income.
Portfolio landlords
4+ mortgaged properties handled with proper stress-testing across the book.
Bridging & auction finance
Short-term funding for auction purchases and properties that mainstream lenders decline — with a clear exit onto a BTL mortgage or sale.
Refurbishment to let
Properties needing light refurbishment before a standard BTL valuation, funded with a clear bridge-to-let or retained product.
Free download
The Buy-to-Let Guide
Stress tests, SPV vs personal name, HMOs, holiday lets, portfolio rules, tax and the numbers that decide whether a rental actually pays.
Regulated BTL
When BTL advice IS regulated
Consumer buy-to-let (an "accidental landlord" letting a former home, or a family member let) is regulated by the FCA under the MCD Order 2015. You receive the full protections of regulated mortgage advice, including access to the Financial Ombudsman Service.
Unregulated BTL
When BTL is NOT regulated
Investment buy-to-let taken purely for business or commercial purposes (including most SPV, HMO and portfolio lending) is not regulated by the FCA. You will not have recourse to the Financial Ombudsman Service or protection under the Financial Services Compensation Scheme (FSCS) in relation to the lending itself. We will always tell you clearly which category your case falls into before you commit.
Target market
This service is designed for UK-resident individuals aged 21+, and UK-registered limited companies (SPVs), seeking mortgage finance to acquire or refinance residential rental property in England, Wales, Scotland or Northern Ireland. It is not suitable for consumers who cannot evidence the rental income, deposit or tax position required by mainstream or specialist BTL lenders.
What if your mortgage was solved, not sold?
Book a no-obligation fact-finding call with a qualified adviser. We’ll search the whole market and come back with a fully costed recommendation.