Whether you're a first-time landlord or a seasoned portfolio investor, we search the whole market across standard BTL, HMO, Holiday Let, Limited Company, SPV, Multi-Unit and Let to Buy.
We don't do residential mortgages. We exist solely to help landlords and property investors secure the right finance.
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 →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 — lenders you cannot approach directly.
HMO licensing, MUFB valuations, SPV structure, portfolio stress-testing, ex-pat applicants, non-standard construction — we handle cases that mainstream brokers decline. Our advisers hold specialist BTL qualifications.
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.
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.
For portfolio landlords, we look beyond the single transaction. We assess your portfolio's gearing, cash flow and future growth — structuring borrowing to maximise your buying power now and in the future.
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.
Complete our short online form or call us. Tell us about the property, your existing portfolio, your company structure and what you're trying to achieve. No obligation.
Your dedicated BTL adviser searches our entire lender panel for products matching your criteria — property type, LTV, applicant profile, income type, portfolio size and company structure.
We present the most suitable mortgage options, fully explained — rate, term, lender criteria, fees and monthly cost — and recommend one in plain English.
Once you're happy, we submit the application, liaise with the lender, manage the valuation and push the case to mortgage offer — keeping you updated throughout.
Your solicitor handles the legal work. We stay available to resolve any queries until keys are in hand. And we're here for your next deal too.
Estimate your monthly payments and check whether your rental income meets the lender's ICR requirements.
This calculator provides an illustration only and does not constitute a mortgage offer or advice. Lender criteria vary. Speak to one of our advisers for a full assessment.
"As a portfolio landlord with 14 properties, finding a broker who actually understands SPV structures and portfolio stress-testing was a challenge. BTL Mortgage Expert placed two complex cases in the same month that two other brokers had given up on."
"I was converting my home to a holiday let and buying a new main residence simultaneously. The Let to Buy process was seamless — they handled both mortgages and kept me updated every step."
"Our limited company already had some properties but our bank wouldn't consider an HMO. BTL Mortgage Expert found us a lender within 48 hours and we were in offer within three weeks."
Plain-English BTL guides and market commentary written by specialist mortgage advisers.
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We work with the UK's leading specialist BTL lenders — not just the high street.
Our advisers hold CeMAP qualifications and specialise exclusively in Buy To Let mortgage advice.
CeMAP-qualified with 12 years specialising exclusively in Buy To Let mortgage advice. John has placed over £400m of BTL lending across complex portfolio and HMO cases.
CeMAP CeRER qualified, Priya works with both new landlords and seasoned investors. She is a specialist in Holiday Let underwriting and FHL tax-aware advice.
15 years in specialist BTL lending, previously at a top-five BTL lender. Mark places cases mainstream brokers decline, including ex-pat and non-standard construction.
Talk to a specialist BTL adviser today. No fee. No obligation. Just whole-of-market advice.
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.