Buy-to-Let Finance Broker Aberdeen & UK-Wide

Who We Help

Private Landlords

Buy-to-let finance for individual landlords acquiring or refinancing residential investment property.

Portfolio Landlords

Finance options for landlords with multiple investment properties and wider portfolio requirements.

Property Investors

Funding for acquisitions, refinancing and investment property strategies.

Limited Companies

Buy-to-let finance for property investment held through a limited company, subject to lender criteria.

When Buy-to-Let Finance Can Help

Property Purchase

Finance for acquiring residential investment property.

Portfolio Expansion

Funding options for landlords looking to add further properties to an existing portfolio.

Buy-to-Let Refinance

Refinancing an existing investment property where a new funding structure may be appropriate.

Portfolio Refinance

Reviewing finance across multiple properties where portfolio-level borrowing is being considered.

Limited Company Buy-to-Let

Finance options for investment property held through a limited company, subject to lender criteria.

HMO & Specialist Property

Finance options for certain HMOs and specialist residential investment properties, subject to property and lender criteria.

Why Buy-to-Let Finance Is Not One-Size-Fits-All

Buy-to-let lenders can assess both the property and the wider borrowing position. The appropriate finance can depend on factors including:

The property
Purchase price and/or current value
Expected rental income
Existing borrowing
The borrower's circumstances
Personal or limited-company ownership
Portfolio size and structure
Loan-to-value
Property type
Credit history
The proposed repayment strategy

The lender with the most attractive headline rate is not necessarily the lender best suited to the specific investment. The structure, lender criteria and overall suitability need to work for the specific investment.

What Buy-to-Let Lenders Look At

Rental Income - The expected or existing rental income from the property.
Property Value - The value of the property and the proposed level of borrowing.
Loan-to-Value - The relationship between the borrowing and property value.
Borrower's Circumstances - Income, existing commitments and wider financial position where relevant.
Portfolio Position - For portfolio landlords, the wider property portfolio and borrowing structure may be considered.
Property Type - The type, use and characteristics of the investment property.
Credit History - Relevant credit and financial history may form part of the lender's assessment.
Repayment Strategy - The proposed mortgage structure and longer-term repayment position.

200+ Lenders. A Whole-of-Market Approach.

We have access to 200+ lenders through our established panel. Where appropriate, we can also approach lenders outside our established panel to explore suitable finance options for your circumstances.

How It Works

1. Discuss Your Requirement

Tell us what you're trying to achieve and we'll talk it through.

2. Understand the Deal

We look at the details of your situation and the finance required.

3. Explore Suitable Options

We research relevant lending options and explain them in plain English.

4. Progress the Application

If you decide to proceed, we help in managing the application process to completion.

Related Finance & Sectors

Explore other finance solutions and specialist sectors relevant to your requirements.

Commercial Mortgages

Finance for the purchase or refinance of commercial property.

Bridging Finance

Short-term finance for property deals where timing or circumstances make temporary funding appropriate.

Development Finance

Funding for ground-up development and heavy refurbishment projects.

Care Home Finance

Financing for care home purchase, refinance and expansion.

Hospitality Finance

Mortgages for guesthouses, B&Bs and small hotels.

Dental Practice Finance

Mortgages for dental practice premises and practice acquisitions.

Frequently Asked Questions

What is buy-to-let finance?

Buy-to-let finance is borrowing used to purchase or refinance a property intended to be let to tenants, subject to the lender's criteria and the circumstances of the investment.

Can I get buy-to-let finance through a limited company?

Yes, some lenders offer buy-to-let finance for properties owned through limited companies. The available options and lender criteria can differ from personal ownership, so the structure needs to be assessed against the specific circumstances.

Can I get buy-to-let finance for a portfolio?

Yes, portfolio landlords can explore finance for individual properties or wider portfolio requirements. Lenders may consider the overall property portfolio and borrowing structure as part of their assessment.

Can I use buy-to-let finance to refinance an existing property?

Yes, buy-to-let finance can be used to refinance an existing investment property where the proposed borrowing and circumstances meet the relevant lender criteria.

How much deposit do I need for a buy-to-let property?

The deposit or level of borrowing required depends on the property, borrower, lender and circumstances of the transaction. There is no single deposit requirement that applies to every buy-to-let case.

Do I need rental income to get buy-to-let finance?

Rental income is an important consideration for many buy-to-let lenders, although the way it is assessed can vary depending on the lender, property and borrower's circumstances.

Can I get buy-to-let finance for an HMO?

Some lenders offer finance for HMOs and other specialist residential investment properties. Availability depends on the property, its use, the borrower and the lender's criteria.

Speak to a Broker

Tell us about your deal and we'll come back to you to discuss your requirements.

Discuss Your Finance

Buy-to-Let Finance for Landlords & Property Investors