Key benefits
Up to 75% LTV
Access competitive loan-to-value ratios with specialist BTL lenders across our panel.
Interest-only and repayment options
Choose interest-only to maximise cash flow, or capital repayment to build equity over time.
First-time landlord friendly
New to property investment? We work with lenders who welcome first-time landlord applications.
Portfolio landlords considered
Own 4+ mortgaged properties? We access specialist lenders who understand portfolio underwriting.
Remortgage and equity release
Refinance existing BTL properties to release equity for your next purchase or other purposes.
Ltd company BTL available
Purchase through an SPV structure for potential tax advantages, specialist lenders on our panel.
What we need from you
To find the best BTL mortgage for your circumstances, we'll need a few key details about the property and your financial position.
- Property address and purchase price
- Rental income (actual or projected)
- Personal income details
- Existing mortgage details if remortgaging
- Full portfolio schedule if 4 or more mortgaged properties
How the process works
Initial enquiry and property details
Broker assesses lender options
Valuation arranged
Offer and completion, typically 4–8 weeks
Portfolio landlords: If you own 4 or more mortgaged properties, you are subject to specialist underwriting. We have access to lenders who understand portfolio landlords where high street banks often decline. Speak to us to discuss your options.
Important: Your property may be repossessed or a receiver of rent appointed if you do not keep up repayments on a loan or any debt secured against it.
Related finance options
Useful resources
Related at Funding Flow: HMO finance, bridging loans, buy-to-let mortgage calculator.
Official references: Bank of England base rate, gov.uk renting out a property.
Estimate your monthly cost
Get an indicative quote in seconds. No sign-up required.
Buy-to-let mortgage calculator
Estimate monthly repayments, rental coverage and total cost. Guide tool only.
£100,000 to £10,000,000
Illustrative only, not a quote.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Frequently asked questions
Not sure which product is right?
Ask Flo, our AI finance assistant can guide you through your options.