Why a Specialist

Why Use a Specialist BTL Broker

Buy To Let lending has its own rules, its own lender panel and its own pitfalls. A specialist broker makes the difference between an offer and a decline.

๐Ÿ”

Whole of Market Access

High-street banks offer a fraction of available BTL products. We access specialist lenders including Paragon, Fleet, The Mortgage Works, Foundation Home Loans, Precise, Landbay, Keystone, Zephyr and many more โ€” lenders you cannot approach directly.

๐Ÿง 

Complex Case Expertise

HMO licensing, MUFB valuations, SPV structure, portfolio stress-testing, ex-pat applicants, non-standard construction โ€” we handle cases that mainstream brokers decline. Our advisers hold specialist BTL qualifications.

๐Ÿ’ท

Fee Free โ€” Always

We charge you nothing. Ever. We receive a procuration fee from the lender on completion. You benefit from whole-of-market advice, full application management and ongoing support at zero cost.

๐Ÿ“‹

Full Application Management

We don't just find you a rate and disappear. We package your case, liaise with the lender, manage the valuation, progress to offer and work with your solicitors to completion.

๐Ÿ—๏ธ

Portfolio Strategy

For portfolio landlords, we look beyond the single transaction. We assess your portfolio's gearing, cash flow and future growth โ€” structuring borrowing to maximise your buying power now and in the future.

๐Ÿ”’

FCA Regulated

Authorised and regulated by the Financial Conduct Authority. You have full recourse to the Financial Ombudsman Service and FSCS protections where applicable. Our advice is documented, compliant and in your best interest.

Our Specialist BTL Lender Panel

We work with the UK's leading specialist BTL lenders โ€” not just the high street.

Paragon BankFleet MortgagesThe Mortgage WorksFoundation Home LoansPrecise MortgagesLandbayKeystone Property FinanceZephyr HomeloansVida HomeloansAldermoreShawbrookTogetherWest OneHodge BankHampshire Trust BankInterbayMarket HarboroughMansfield BS+ 100 more

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.

๐Ÿ“ž Get Free BTL Advice