Buy-to-let mortgages for landlords, companies and property investors.
A buy-to-let mortgage is used to buy or refinance a residential property that is let to tenants. Lendaris helps landlords understand the right structure, compare indicative options where available, and move from enquiry to a saved CRM deal and portal checklist.
AT A GLANCE
The shape of a buy-to-let mortgage
Loan sizes
£75k – £10m
LTV (up to)
80%
Term
5 – 35 years
Properties
Single or portfolio
Rate (from)
4.5% p.a.
Decision
DIP 24–72 hours
COMMON SCENARIOS
What this finance is used for
LENDER CRITERIA
What lenders look at
TRANSPARENT COMPARISON
How Lendaris compares your options
Buy-to-let has the widest range of lender appetite in UK property finance. Some lenders only do personal-name standard BTL; some specialise in limited companies. Some accept expats; many do not. Some cap at 3 properties; others want portfolios of 20+.
We map your scenario against specialist lenders and show only those who may genuinely consider your deal — with rates, fees and commission visible before you choose.
WHAT YOU SEE
- Every lender match for your scenario
- Rate, product fee, valuation fee and arrangement fee
- Interest cover ratio calculated per lender
- Our broker commission per lender — fully disclosed
- Your estimated commission share per lender
- Live status as each submission progresses
A WORKED EXAMPLE
Your share on a typical buy-to-let deal
Commission paid 7 working days after the lender pays us.
THE DEAL
£350,000
- 5-year fixed BTL
- Limited company (SPV) borrower
- 75% LTV
- Standard single-let property
THE COMMISSION
£2,625
- 0.75% commission (typical for specialist BTL)
- Fully disclosed before submission
- Paid by lender on completion
- Subject to final lender terms
COMMISSION
£2,625
LENDARIS KEEPS
£1,562.50
YOU RECEIVE
£1,062.50
Example assumes typical 0.75% specialist BTL commission. £500 minimum retained by Lendaris; surplus split 50/50. Subject to lender commission arrangements.
See how much you could save. Learn how commission sharing works
FREQUENTLY ASKED
Common questions about buy-to-let mortgages
No. Buy-to-let lending is usually assessed mainly against rental income and property risk, although personal income, credit profile and landlord experience may still matter.
Yes, many lenders consider limited company or SPV buy-to-let, but the tax, legal, cost and mortgage options are different from buying in personal names.
Some lenders consider first-time landlords, but criteria may be tighter and some property types, such as HMOs or large portfolios, may need experience.
Some lenders consider expat landlords buying or refinancing UK rental property. Residency, currency, income evidence, country risk and ID checks can affect lender choice.
Many buy-to-let mortgages are not regulated in the same way as residential owner-occupied mortgages, but some consumer buy-to-let situations can be regulated. The status depends on the facts of the case.
Results are indicative and depend on lender criteria, valuation, security, credit profile, exit route and full underwriting. Commercial finance may be unregulated. Some property finance can be regulated depending on borrower, property use and loan purpose. The correct status should be confirmed case by case.
EXPLORE OTHER FINANCE TYPES
READY WHEN YOU ARE
Compare lender options.
See exactly what you get.
Rates, fees and commission shown clearly. No credit check. No commitment until you instruct us to submit.
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