Specialist Buy to Let Mortgages

Anything outside the mainstream “vanilla” buy to let mortgage criteria falls into this category. From refinancing complex buy to let property portfolios split over different ownership structures, to large million pound plus mortgages, the Mortgaze team of experts are here to help find the solution that best suits your needs.

As the specialist buy-to-let mortgage category is one that is open to interpretation and one that could include many variations, we have broken down some of the most likely scenarios below.

High Net-Worth Mortgages

If you are interested in securing loans of over £1 million, our team will look into the best high net-worth deals on the market that can be secured for you. High net-worth mortgages can be difficult to secure for some brokers, but the Mortgaze team have the contacts and high level of expertise that will ensure we put you into contact with the right lender who will provide you with exactly the kind of bespoke service that you require.

Buy-to-Let Portfolio Refinance

Professional landlords and developers can sometimes run into obstacles when it comes to securing new rounds of finance for projects. The Mortgaze team works closely with a number of specialist lenders to ensure that we can secure you the refinancing necessary to push ahead with necessary refurbishments or new developments.

Contractor Buy-to-Let Mortgages

Many contractors miss opportunities to take on buy-to-let mortgages of their own due to their status as a contractor. This is often because contractors are under the misguided assumption that achieving a buy-to-let mortgage is more difficult than it actually is. The opposite is usually true and the Mortgaze team are specialists in achieving the funds necessary for contractors to make the leap into the buy-to-let market.

Self-Employed Mortgages

The UK has never had more self-employed workers than it has today, yet many high street banks seem afraid to afford self-employed workers the same rights they do to those in more traditional employment. At Mortgaze we understand that being self-employed does not mean you are not in a position to afford a buy-to-let mortgage of your own and we regularly process successful application from self-employed workers across many fields.

High Loan to Value Mortgages

The Loan to Value or frequently referred as LTV is a financial term used by lenders to express the ratio of loan to the value of an asset. It is a lending risk assessment ratio that financial institutions and others lenders examine before approving a mortgage. Typically, assessments with high LTV ratios are generally seen as higher risk and, therefore, if the mortgage is approved, the loan generally costs the borrower more to borrow.
Whilst this type of buy-to-let mortgage may often see you face higher interest rates than on a more traditional mortgage, the Mortgaze team will scour the market and our extensive list of contacts to make sure that we get you the best possible terms of your LTV.

Criteria highlights & areas we can help
  • Market leading rates
  • Up to 85% LTV
  • Loans from £25,000 with no maximum limit
  • Products with no minimum income requirements
  • Remortgage & Capital Raising
  • Consumer Buy to Let
  • Foreign National Buy-to-let mortgages
  • Lending into retirement
  • Self-funding Buy-to-lets
  • Adverse credit options
  • Employed & Self Employed Applicants
  • Professional Landlords
  • Lending in England, Wales, Scotland and Northern Ireland
  • Access to Exclusive Products
  • Fixed and variable rates
  • Products with low fees and No ERCs
  • Portfolio finance
  • High and low value properties
  • Flats above commercial premises
  • Low rental properties
  • High rise flats
  • Listed buildings
  • New Builds and House & Flats
  • Ex-Council Properties
  • Holiday Lets
  • Houses Divided into Multiple Units without Individual leases

The scenarios highlighted above are those that we most regularly receive requests in assistance with. It is simply for you to get a better understanding of the areas we commonly deal with. Contact us to for a more personalised search of the market based on your individual circumstances.


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Please get in touch on 0208 720 9349
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Frequently Asked Question

We are happy to answer your queries on the phone or in person but here are answers to some of the most frequently asked questions we receive regarding buy to let mortgages for limited companies.

From April 1 2016, anyone purchasing an additional property must pay an extra 3 per cent stamp duty. Click here to calculate how much stamp you will pay to purchase a buy to let property. Please note that new rates are applicable to both Individual and companies buying a buy to let property or second home. There is no exemption if you purchase a buy to let in a limited company.

From April 2017, if you are subject to income tax, you will have a restriction applied to the relief you receive on the finance cost of running your rental business. This will apply to interest paid on any debt, as well as the cost of running your rental business. The restriction will be phased in from 6 April 2017 and fully implemented from 6 April 2020.

One option is to incorporate your property business as the income tax provisions restricting the deduction of interest cost related to residential property will not apply to companies. If you are considering purchasing your next buy to let property through a limited company or looking to refinance a limited company buy to let mortgage, we have access to wide range of lenders and products offering limited company buy to let mortgages. Please click here to gaze more.

If you are considering investing in Buy-to-Let properties through a Limited Company, it is important that you understand the advantages, disadvantages and responsibilities associated with company ownership before making a decision. At Mortgaze we always suggest that you take full financial and legal advice before proceeding.

The Bank of England’s PRA (Prudential regulatory authority) has set out new guidelines on rental stress test for buy to let mortgage. A rental stress is method which is applied by lenders to calculate your maximum loan amount based on the rental income from property. The broad guidelines are:

  • Lenders should assume a minimum borrower interest rate of 5.50%. The reason behind is that lenders should take account of likely future interest rate increases.
  • Interest Cover Ratio to be increased from 125 per cent to 145 per cent (This is has been introduced so that lenders should take into account all the management costs plus the borrower’s tax position, especially given the recent changes to tax relief mentioned above.

We have buy to let mortgage product to borrow up to 85%. So you can secure a buy to let mortgage property with a minimum 15% deposit.

To calculate this amount, a lot depend on the rental income from the property. Use our buy to let mortgage calculator to get an indicative figure.

Our Latest


To find out how much your buy to let mortgage and bridging loan will cost, use our latest best buy table. You can also use our buy to let calculator to find out how much you can borrow based on the rental income from a buy to let property. Contact us to for a more personalised search of the market based on your individual circumstances.

Mortgage Calculator

We work with some of the best and most experienced lenders to bring high quality mortgage solutions..

Buy To Let Mortgage Calculator

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Buy To Let Stamp Duty Calculator

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Please note that this calculator is only for illustrative purposes only and is not a mortgage offer. This is a guide to how much you'd pay each month. The exact amount will depend on the type of mortgage and the lender.

Some of Our Lenders

We work with some of the best & most experienced lenders to bring high quality mortgage solutions..

  • MT Finance

  • Saffron Building Society

  • Aldermore BTL

  • Clydesdale Bank

  • Kent Reliance

  • National Counties Building Society

  • Santander Corporate & Commercial

  • Aldermore Commercial

  • Abbey

  • Cambridge Building Society

  • InterBay Commercial

  • Mortgage Trust

  • Principality Building Society

  • Accord Mortgages

  • Castle Trust

  • Kensington

  • Shawbrook Bridging

  • Arbuthnot Latham

  • Dragonfly Development

  • Leek United

  • Norwich and Peterborough

  • Shawbrook BTL

  • Axis Bank

  • Dudley Building Society

  • Lend Invest

  • Norwich and Peterborough BTL

  • Shawbrook Second Charge

  • Bank of China

  • First Bank of Nigeria

  • Lloyds Bank Commercial

  • Oblix Capital

  • Skipton Building Society

  • Barclays Commercial

  • Fleet Mortgages

  • Marsden Building Society

  • Paragon Mortgages

  • The Mortgage Works

  • Barclays Mortgages

  • Foundation Home Loans

  • Masthaven

  • Pepper Homeloans BTL

  • Together BTL

  • Birmingham Midshires

  • Harpenden Building Society

  • Metro Bank

  • Platform

  • Together Commercial

  • Bridgebank Capital

  • Hinkley and Rugby BS

  • Metro Bank Commercial

  • Precise Mortgages BTL

  • UBS

  • Buckinghamshire Building Society

  • HSBC Commercial

  • Mint Bridging

  • Precise Mortgages Bridge

  • United Trust Bank

  • Cambridge and Counties Bank

  • ICICI Bank

  • Monmouthshire Building Society