Buy-to-Let
Build Your Property Portfolio
Whether you are buying your first investment property or expanding a large portfolio, we have specialist buy-to-let mortgage products with competitive rates and flexible criteria for individuals and companies.
4.1%APR from / year
75%Max LTV
$3MMax Loan Size
25 yrsMax Term
Buy-to-Let Products
Products for Every Type of Investor
Individual Landlord
Standard buy-to-let for personal ownership. Rental income assessed to confirm affordability. Interest-only options available.
4.1% APR from
- Rental income typically 125% of mortgage payment
- Up to 75% LTV available
- Interest-only and repayment options
- Single and multiple property applications
Limited Company BTL
Buy through a Special Purpose Vehicle (SPV) for potential tax advantages. Our advisers explain when this is the right structure for you.
4.3% APR from
- SPV and trading company applications
- Director loan and retained profit income accepted
- More lender options opening up each year
- Independent tax advice recommended
HMO / Multi-Unit
Houses in Multiple Occupation (HMOs) and multi-unit freehold blocks. Specialist lenders with experience in complex tenancy structures.
4.5% APR from
- Licensed HMOs up to 10 bedrooms
- Multi-unit freehold blocks
- Room-by-room rental income assessed
- Experienced landlord criteria
🧮 Rental Yield & Affordability Calculator
Loan Amount (75%)
$187,500
Monthly Payment
$1,005
Gross Yield
6.7%
Rental Cover
139%