Buy to Let
Are you a landlord looking to expand your portfolio?
Specialist Buy to Let
Many standard mortgage advisers do not have the experience to deal with specialist buy to let. However, we have embraced its complexities and continue to provide exceptional service to landlords across the country every day.
Speak with one of our experienced buy-to-let experts to access the latest tailored deals, including exclusive rates that aren't available directly.
We do the complicated part, so you can focus on building your empire!
Lenders each have their own specific criteria for mortgage applications, including how much they are willing to lend and the required loan-to-value (LTV) for a deal. While this can seem complicated, don't worry—we will figure all of this out for you, and then deal with the paperwork and deal with the lender so you don’t have to.
We can help with the following:
- Large portfolio’s, with no limit to the amount of properties you can have
- Limited company buy to let, including trading companies
- Houses of multiple occupation including properties for students, professionals, corporate lets and more, with no limit to the number of rooms
- Multi units (multiple properties under one title) such as a block of flats
- Flexible affordability calculations
- Lenders with no upper age limits
- Remortgages from day one after purchasing
- Guaranteed rental schemes
- First time landlords
- No minimum income needed
- Potential to borrow up to 85% LTV
Portfolio Buy to Let
Being classed as a ‘portfolio’ landlord can affect the lenders available to you, and can even affect the amount you can borrow as many lenders have a limit on the number of properties you can own, but at Plinthos Specialist lending we can help you whether you are a portfolio landlord with 4 properties or 100+, and will always make sure we get you the best terms available to you.
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As a landlord, you are always looking for ways to boost your profits, save money, expand your property portfolio and maximise your investment...
our mortgage specialists are here to help.
HMO & Multi-Unit Blocks
Houses of multiple occupation and multi-unit properties can be a highly profitable investment opportunity for landlords, because each bedroom or unit is let out to a different tenant, so there are multiple rents coming in.
This means this type of property commonly achieves a higher yield than standard buy to lets.
These mortgages can sometimes carry higher rates and fees than mortgages for standard buy to let properties due to them being deemed as higher risk by lenders so it’s even more important that you are able to search the whole market to get the best deal available to you!
Why choose us?
As a specialist mortgage broker, we have extensive experience in rental property finance, working with complex HMO and MUB cases and finding the best deal in the market for our clients.
- Guaranteed rental schemes allowable.
- As a first time landlord, we can still get you a mortgage on a HMO or MUB property
- We can assist you with properties for students, professionals, Corporate lets and more.
- No minimum income needed
- Potential to borrow up to 85% LTV
- Lenders with no upper age limits
- Flexible affordability calculations
- Trading companies allowable
- Unlimited portfolio sizes
- Unlimited number of rooms for HMO properties
- Unlimited number of units for MUB properties
