Commercial buy-to-let mortgage

We're here for when your buy-to-let mortgage means business

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We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we guarantee to get back to you the same day. If it’s after 5pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.


Any property used as security may be repossessed if you don’t make the repayments.

A fast decision when you have big plans for your property.

Whether you’re employed, self-employed, a limited company, limited liability partnership (LLP), sole trader or partnership, we’ll do all we can to arrange the funding you need. Even if you’re an expat or don’t have permanent rights to live in the UK, we will consider your application. And if you’re funding a buy-to-let yourself, don‘t worry as there’s no upper age limit.

Planning to buy and sell the property? View our short term finance options here ❯
Say goodbye to inflexible buy-to-lets

If you need finance – whether a mortgage, remortgage or second charge secured loan – on a commercial buy-to-let property, talk to us. Why? Because you can use our commercial buy-to-let mortgage for almost any purpose. 

We’re one of the few lenders offering second charge buy-to-lets, particularly interest-only second charge buy-to-lets. Plus, we also consider a large variety of property types, and have more flexibility when lending to people with less than perfect credit histories.


We’ll consider commercial buy-to-let mortgages for:
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (when the property you want is a little out the ordinary)
  • normal brick-built houses, flats and maisonettes. 
  • most commercial property types


Key features
  • Tiered ICR from 125%
  • Loans from £26,000 to £250,000 (above by referral on LTVs up to 75%)
  • First and second charge available
  • Adverse credit profiles considered
  • Rates start from 7.9%
  • Interest-only and repayment options available


With added value

We accept property types other lenders may not consider, including properties which are a little out of the ordinary.


10 steps to getting a commercial buy-to-let mortgage 
  1. We’ll discuss your circumstances with you and what you need.
  2. Once confirmed, we’ll help you complete an application form.
  3. Our underwriting team will review the application and complete a Credit Check. To do so, we’ll need various documents from you including ID and proof of income.
  4. If everything is ok, we’ll arrange a valuation.
  5. Valuation returned and will be checked by the underwriting team. If ok, we’ll instruct our solicitor.
  6. Your solicitor receives the legal documentation.
  7. Once all the paper has been sent back, our solicitor will complete the Report on Title.
  8. Our solicitor team will review the ROT.
  9. At this stage our underwriter team will complete a full review of the file in preparation for funding.
  10. We’ll transfer funds to your solicitor and you're good go


Qualifying criteria

To qualify for this product, as a minimum, you must:

  • have obtained the commercial property with the intent to let it out. In other words, for a business purpose.
  • be at least 18-years old. There’s no maximum age limit, providing rental income covers 125% of total secured lending repayments.
  • have no more than 6 demerits on your credit profile in the last 12 months. 

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