Buy-to-Let Finance for Property Investors and Landlords

Flexible Mortgage Solutions for HMO, MUFB, and Limited Company Portfolios

Whether you’re an experienced property investor or expanding your first portfolio, the right buy-to-let finance makes all the difference.

We specialise in limited company buy-to-let, HMO mortgages, and multi-unit freehold block (MUFB) lending — giving investors access to tailored funding across the UK.

With specialist lenders, competitive rates, and flexible criteria for complex portfolios, our buy-to-let solutions help you grow your investment strategy efficiently and tax-effectively.

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Why Choose Specialist Buy-to-Let Finance?

Buy-to-let mortgages are designed for property investors who let out residential or mixed-use property. 

Specialist buy-to-let lenders offer flexible underwriting for complex scenarios, including:

-Limited company SPV (Special Purpose Vehicle) borrowing and also Trading Companies 

-HMO (House in Multiple Occupation) mortgages

-MUFB (Multi-Unit Freehold Blocks)

-Portfolio landlord finance

-Remortgaging to release equity for refurbishment or expansion

-Tenant types including professionals, students, benefit tenants, and asylum seekers. 

Types of Buy-to-Let Mortgages

Limited Company Buy-to-Let Mortgages

 

Many investors now hold properties through a limited company (SPV) for tax efficiency. Always get personal advice and don’t just accept what you see on Social Media.

Typical loan-to-value (LTV) is up to 80%, with both fixed and variable rates available for purchase, refinance, or capital raise.

HMO Mortgages (Houses in Multiple Occupation)

 

If you’re letting to three or more tenants from different households, you’ll need an HMO mortgage.

We work with specialist lenders offering flexible criteria for licensed and unlicensed HMOs. HMO finance is ideal for:

-Student lets and professional sharers

-Supported housing and social tenants

-Asylum seeker accommodation (subject to approved management)

Typical HMO LTVs reach up to 75%, with options for refurbishment and conversion finance available through bridging loans.

MUFB (Multi-Unit Freehold Block) Mortgages

 

For landlords owning or purchasing blocks of flats under one freehold title, MUFB mortgages offer efficient funding.

Lenders assess the block’s total rental income, not just individual units, making it suitable for experienced investors and developers refinancing completed conversions or purchasing an established unit.

Available for:

-Single freehold containing multiple self-contained flats

-Newly converted or existing MUFBs

Portfolio Landlord Mortgages

 

If you own four or more buy-to-let properties, you’re classed as a portfolio landlord. We work with lenders that understand portfolio complexity, allowing you to refinance, consolidate, or expand without restrictive stress tests.

We can also integrate bridging and development finance to support portfolio growth and recycling of capital.

Tenant Types Accepted by Specialist Lenders

 

Mainstream lenders often restrict tenant types — but specialist buy-to-let lenders accept a wider range, including:

-Professionals and families

-Students and sharers

-DSS or benefit tenants

-Asylum seekers and supported housing tenants (with approved management or local authority backing)

This flexibility helps investors achieve stronger yields and diversify their rental income sources.

Key Benefits of Specialist Buy-to-Let Mortgages

 

-Tailored finance for HMOs, MUFBs, and limited company portfolios

-Flexible lending criteria for complex or high-yield strategies

-Up to 80% LTV with competitive fixed and tracker rates

-Options for refurbishment and refinance after works

-Access to lenders not available on the high street

Who Can Apply for Buy-to-Let Finance?

 

-Individual landlords and first-time investors

-Limited company (SPV) directors or LLP members

-Portfolio landlords and professional investors

-Property developers converting or refinancing residential units

-Landlords letting to non-standard tenant types

Expert Buy-to-Let Advice for Serious Investors

 

Whether you’re expanding into HMO or MUFB properties, switching to a limited company structure, or seeking finance for asylum-seeker accommodation, we’ll find the right mortgage for your strategy.

Our team works with specialist lenders across the UK to secure funding quickly and efficiently — so you can focus on building long-term income and capital growth.

📞 Call us on 01565 654005
📧 Email us today to discuss your buy-to-let mortgage options.