Buy to Let Mortgages in London
Smart property finance for landlords and investors
Whether you’re expanding your portfolio or buying your first investment property, our expert brokers make securing a Buy to Let mortgage simple, fast, and fully tailored to your goals.
- Fast property finance for complex deals
- Access to 100+ trusted lenders
- Competitive rates from 0.49% per month
- Flexible terms up to 25 years
"I couldn’t recommend this bridging loans broker more highly!"
Our Bridging Loan Services
About Our Firm
As a specialist bridging loan broker based in London, we provide fast, flexible funding solutions for time-sensitive property transactions. Our team works with a wide network of private, commercial, and international lenders to secure bespoke terms that traditional banks can’t match.
We act exclusively on your behalf, ensuring your loan is structured to your advantage — with clear communication, fast decisions, and no unnecessary delays.
Key Stats:
15+ Years’ Experience in property and finance
£500M+ Bridging Finance Arranged
Access to 120+ Lenders
Clients in 10+ Countries
What Is a Buy to Let Mortgage?
A Buy to Let mortgage is designed for individuals or companies purchasing property to rent out rather than live in.
Unlike standard residential mortgages, these loans are based on rental income potential rather than personal earnings, giving landlords flexibility to build wealth through property investment.
You can use a Buy to Let mortgage for:
Purchasing a new rental property
Refinancing an existing investment
Releasing equity to grow your portfolio
Converting a residential property into a rental asset
Our team specialises in structuring efficient Buy to Let finance, ensuring your investment strategy is both sustainable and profitable.
Types of Buy to Let Mortgages
Every investor’s needs are different. That’s why we work with a wide network of lenders to provide flexible options, including:
Fixed Rate Mortgages
Lock in your interest rate for 2, 3, or 5 years — ideal for predictable payments and stable returns.
Tracker Mortgages
Linked to the Bank of England Base Rate, these move with the market — offering potential savings when rates fall.
Discounted Variable Rates
Benefit from reduced rates for a limited time, great for those looking to maximise early rental yields.
Limited Company Buy to Let
Ideal for professional investors or landlords managing multiple properties through a company structure.
Portfolio Landlord Mortgages
Tailored finance for investors with four or more properties, optimised for managing complex portfolios efficiently.
Expert Buy To Let Brokers You Can Trust
Our brokers have decades of experience structuring high-value deals for UK and international clients. We understand the complexities of short-term finance and specialise in finding creative solutions where traditional lenders can’t deliver.
Frequently Asked Questions
Most lenders require at least 25% deposit, though some may accept less depending on your profile.
Yes. We regularly help clients structure BTL finance through SPVs for tax efficiency and portfolio growth.
Typically, your rental income should cover 125–145% of your monthly mortgage interest payments.
Absolutely — we work with lenders that specialise in expat Buy to Let mortgages.
Yes, many landlords refinance existing homes to release capital or convert to rental use.
Yes, several specialist lenders offer Buy to Let mortgages for applicants with past credit issues, CCJs, or missed payments. Our brokers can help you find the right lender to suit your circumstances.
You can expect arrangement fees (usually 1–2% of the loan), valuation fees, and legal costs. We’ll provide a full cost breakdown before you proceed, so there are no surprises.
Yes. If you hold properties in a limited company, you’ll pay corporation tax on profits instead of income tax. Many landlords choose this route for long-term tax efficiency — we can connect you with property tax specialists to discuss your options.
Most lenders allow borrowing up to age 75, though some accept older applicants depending on the exit plan and loan type.
On average, Buy to Let mortgages complete in 2–4 weeks, depending on valuation and legal checks. Our team prioritises fast turnaround — ideal for time-sensitive purchases or remortgages.
Want
To
Talk?
We’ll review your scenario and outline your bridging loan options within hours.