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Specialist BTL

Mortgages built for landlords with more than one let.

HMO finance, multi-unit-block mortgages and portfolio refinancing — under personal or limited-company names.

Start an enquiry or call 07967 614 256
LTV
Up to 75% — sometimes 80% for standard BTL
Stress tests
Lenders rent-stress against pay-rate or notional rate
Structure
Personal name, limited company SPV, or mixed portfolio

Overview

What we arrange.

HMO and portfolio cases reward landlords who are organised. Lenders expect a clear schedule of assets, a sensible business plan, evidence of property management capability, and stress-testable rental income. The right broker work up front prevents a portfolio refinance turning into a six-month slog.

We handle simple single-HMO refinances through to portfolios in the tens of properties — across personal names, SPVs and mixed structures.

Facets

HMO mortgages

C4 and sui generis HMO mortgages, including large HMOs of seven beds and above.

Multi-unit blocks

Single freehold containing multiple self-contained flats, mortgaged as one asset.

Portfolio refinance

Consolidating multiple properties under one facility — simplifies admin and can release equity.

Limited-company SPV

Buying or refinancing in a limited company set up specifically to hold property — increasingly the default for investors.

Send it through

Have a case in front of you?

Five minutes on the phone with Paul usually settles whether the deal works — and at what cost.

Start the enquiry Call 07967 614 256

Use cases

Where this product earns its place.

  1. 01

    Standard BTL converted to HMO

    Refinancing a previously single-let property after a refurbishment uplift to HMO use — typically onto a higher-yielding HMO mortgage.

  2. 02

    Portfolio aggregation

    Refinancing five or more separate BTL mortgages onto a single portfolio facility, often releasing equity for further acquisition.

  3. 03

    Limited-company purchase

    Acquiring property inside a newly-formed SPV, often for tax-efficiency reasons — financed by lenders comfortable with director guarantees.

Questions

Common ground.

Should I hold property in a limited company?
It depends on tax position, income level, and intentions for the portfolio. We don't give tax advice — but we work alongside accountants regularly and can structure the lending around either approach.
How many properties before I'm a 'portfolio landlord'?
PRA rules treat four or more mortgaged BTL properties as a portfolio. Lenders apply a deeper underwrite to the whole portfolio at that point — we package the supporting schedule and business plan.

Get a route

Tell us about the deal.

Four short questions. Paul replies inside one working hour with a named lender and an indicative cost.

Speak to a specialist

Send the brief.

Inside one working hour we'll come back with a named lender, a realistic timetable, and an indicative cost.

Step 1 of 4 · Deal type

Also at the desk

Short-term capital

Bridging Loans

Fast, flexible short-term funding for property purchases, refurbishments, auctions and chain-break scenarios.

Long-term commercial debt

Commercial Mortgages

Owner-occupier and investment commercial mortgages secured against shops, offices, industrial units, mixed-use and semi-commercial property.

Ground-up & heavy refurb

Development Finance

Stage-drawn funding for ground-up residential development, conversions and substantial refurbishment projects.

Next step

When the deal lands on your desk, don't wait on a high-street underwriter.

Speak to Paul directly. Five minutes on the phone tells you whether the case is fundable, who the right lender is, and what the realistic timetable looks like.

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