We don't do residential mortgages. We exist solely to help landlords and property investors secure the right finance — across every BTL product type in the UK market.
The standard BTL mortgage for single residential investment properties let on an Assured Shorthold Tenancy. Lenders assess affordability using an Interest Coverage Ratio — typically requiring rental income to be 125%–145% of the monthly interest payment at a stress-tested rate of around 5.5%. Available on interest-only or repayment terms, with most lenders offering up to 75% LTV.
Get advice on Buy To Let Mortgage →Convert your current home into a rental property and use the released equity as a deposit on a new home. Both the BTL remortgage and the new residential purchase are arranged simultaneously. This strategy avoids selling, preserving long-term capital appreciation potential.
Get advice on Let to Buy Mortgage →For properties let on a short-term basis through Airbnb, Booking.com and specialist agents. Lenders use projected high, mid and low season income. If the property qualifies as an HMRC Furnished Holiday Let, you unlock significant tax advantages including CGT relief and mortgage interest deductibility.
Get advice on Holiday Let Mortgage →For Houses in Multiple Occupation let to three or more tenants from different households. Properties with five or more occupants require a mandatory HMO licence. Yields typically reach 8–12% — well above standard BTL — but underwriting is more complex and lenders often require experienced landlords.
Get advice on HMO Mortgage →A single freehold title containing multiple self-contained residential units — for example, a converted Victorian terrace comprising four flats. Mainstream lenders don't cover MUFBs; specialist lenders assess aggregate rental income across all units with commercial-style underwriting.
Get advice on Multi-Unit Freehold Block →Purchase in a company name for significant tax advantages following the Section 24 phased removal of personal mortgage interest relief. Directors provide personal guarantees and the company is assessed for its ability to service debt from rental income.
Get advice on Limited Company BTL →A Special Purpose Vehicle is a limited company created solely to hold property, with no trading activity. Most BTL lenders prefer SPV structures (SIC 68100 or 68209). We advise on the right setup and match you with lenders whose criteria fit your structure.
Get advice on SPV Mortgage →BTL Mortgage Expert is a trading name of The Mortgage Shop, authorised and regulated by the Financial Conduct Authority (FCA No. 450173). Registered in England & Wales No. 04774203. Registered Office: 62 Old Mill Lane, Barnsley, S71 1PJ.
Your home or property may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Let mortgage.
Think carefully before securing debts against your property. Tax treatment depends on individual circumstances and may be subject to change. We recommend seeking independent tax advice.