Portfolio buy-to-let customers

Financing your property portfolio.

Looking to finance multiple buy-to-let properties? Struggling to work with a high street lender? We could be the people to speak to.

Make an enquiry

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.

Buy-to-let for almost any purpose

If you need finance – whether a mortgage, remortgage or second charge secured loan – on multiple buy-to-let properties, talk to us. Why? Because we can provide a mortgage for your buy-to-let portfolio 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.


As well as standard securities, we’ll consider mortgages for buy-to-let portfolios with:
  • ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (when the property is a little out of the ordinary)
  • normal brick-built houses, flats and maisonettes.


Key features
  • 120% rental calculation
  • 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, And after 5 years we don't hit you with early repayment charges if you want to pay off your loans early. So you’re not tied into the buy-to-let mortgage for the full term, leaving you to get on with your next project.


10 steps to getting a mortgage for your buy-to-let portfolio

We’ll discuss your circumstances with you and what you need.

  1. Once confirmed, we’ll help you complete an application form.
  2. Underwriting 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.
  3. If everything is ok, we’ll arrange a valuation.
  4. Valuation returned and will be checked by the underwriting team. If ok, we’ll instruct our solicitor.
  5. Your solicitor receives the legal documentation.
  6. Once all the paper has been sent back, our solicitor will complete the Report on Title.
  7. Our solicitor team will review the ROT.
  8. At this stage our underwriter team will complete a full review of the file in preparation for funding.
  9. We’ll transfer funds to your solicitor and you're good go


Our lending criteria

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

  • have obtained the properties with the intent to let them out. In other words, for a business purpose. 
  • be at least 18-years old. There’s no maximum age limit, providing rental income covers 120% of total secured lending repayments.
  • have no more than 6 demerits on your credit profile in the last 12 months. 

Same day enquiry

We’re here between 9am and 5:30pm Monday to Friday. If you contact us by 2pm we guarantee to get back to you the same day. If it’s after 2pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.