- Our Services
Find the Best Buy-to-Let Mortgage Adviser UK — Free Quote
Whether you’re buying your first rental property or expanding a portfolio — we match you with specialist BTL advisers who find the right lender for your situation. One short form. No obligation.
- Why UK Mortgage Finder
Honest Advice. Whole-of-Market Access. Zero Upfront Fees.
Buy-to-let lending has changed significantly in recent years. Stress testing, portfolio landlord rules, and tax changes mean the right lender matters more than ever. Going direct to a high street bank rarely gets you the best deal.
UK Mortgage Finder connects landlords — from first-time investors to experienced portfolio holders — with FCA-regulated BTL specialists who know the market inside out. Whether you need a standard BTL, an HMO, a limited company structure, or a holiday let — we handle the match. You focus on the investment.
- What We Can Help With
Buy-to-Let Mortgages for Every Type of Landlord
Covering every type of rental property — our advisers match you to the right BTL lender for your situation.
First-Time Landlord
New to property investment? We guide you through how BTL mortgages work and match you with lenders who welcome first-time investors.
Limited Company BTL
Buying through a limited company or SPV for tax efficiency? We find lenders who actively cater for company structures — including newly incorporated SPVs.
HMO Mortgage
Houses in Multiple Occupation need specialist lenders. We match you with advisers who understand HMO licensing, stress testing, and the right products.
Portfolio Landlord
Own four or more mortgaged properties? Portfolio rules apply — our advisers specialise in whole-portfolio assessments and complex BTL applications.
Holiday Let Mortgage
Airbnb or short-let property? Holiday let mortgages are assessed on projected income, not standard rental. Our advisers know exactly which lenders work with short-term rental.
Remortgage & Equity Release
Already own a BTL property? Remortgage to release equity and fund your next purchase — our advisers search the whole market for the best remortgage rate.
First Time Landlord? Here's How BTL Mortgages Work
A buy-to-let mortgage is assessed differently to a residential one. Lenders focus primarily on the rental income the property will generate — typically requiring it to cover 125–145% of the monthly mortgage payment. Your personal income matters too, but it’s not the only factor.
As a first-time landlord, you’ll usually need a minimum 25% deposit, though some lenders now offer BTL products from 15% for the right applicant. Your adviser will tell you exactly what’s achievable based on your deposit size, the property, and projected rental income.
Low Deposit BTL Mortgages — From 15% Deposit
The standard BTL deposit is 25%, but it’s not the only option. A growing number of specialist lenders now offer buy-to-let mortgages from 15% deposit — particularly for lower-risk properties with strong rental yields in established letting markets.
A lower deposit typically means a higher interest rate and stricter rental income requirements. Your adviser will compare the full market to find where your deposit gets you the best deal — not just the lowest rate on paper.
Limited Company BTL Mortgages — SPV & Tax-Efficient Investing
Since the reduction of mortgage interest tax relief for individual landlords, many investors have moved to purchasing buy-to-let properties through a limited company or Special Purpose Vehicle (SPV). This structure can offer significant tax advantages — but it also changes how lenders assess your application.
Not all lenders offer limited company BTL products, and criteria vary significantly between those who do. Our advisers know exactly which lenders are most competitive for SPV and trading company structures — and how to present your application for the best outcome.
Limited Company BTL Mortgages — SPV & Tax-Efficient Investing
Since the reduction of mortgage interest tax relief for individual landlords, many investors have moved to purchasing buy-to-let properties through a limited company or Special Purpose Vehicle (SPV). This structure can offer significant tax advantages — but it also changes how lenders assess your application.
Not all lenders offer limited company BTL products, and criteria vary significantly between those who do. Our advisers know exactly which lenders are most competitive for SPV and trading company structures — and how to present your application for the best outcome.
HMO Mortgages — Get Matched with a Specialist
A House in Multiple Occupation — where three or more tenants from different households share facilities — is one of the highest-yielding property types in the UK. But HMO mortgages come with their own rules: mandatory licensing thresholds, minimum room sizes, and rental stress tests that differ from standard BTL.
Most high street lenders won’t touch HMOs. Our advisers work with specialist HMO lenders who understand the asset class, assess rental income fairly, and can move quickly when you’ve found the right property.
- Our Process
Here's how it works — simple, fast, and stress-free.
A streamlined journey designed around you, with expert support every step of the way.
- FAQ
Frequently asked questions
Is the quote service really free?
Yes — comparing quotes through UK Mortgage Finder is completely free. We’re paid by the lender if you choose to proceed, at no extra cost to you.
Are your advisers regulated by the FCA?
Yes. All advisers on our panel are authorised and regulated by the Financial Conduct Authority and follow strict UK consumer protection rules.
How much deposit do I need for a buy-to-let mortgage?
Most BTL lenders require a minimum deposit of 25%. However, some specialist lenders now offer products from 15% deposit for the right applicant and property type. Your adviser will confirm what’s realistic based on your situation.
Can I get interest only on a BTL mortgage?
Yes — interest-only is actually the most common repayment structure for buy-to-let mortgages in the UK. It keeps monthly payments lower, maximising rental yield. Your adviser will compare both interest-only and repayment options so you can make an informed decision.
Can I get a BTL mortgage through a limited company?
Yes. Many lenders actively cater for limited company and SPV applications. Your adviser will identify lenders whose criteria match your company structure and present the strongest possible application.
I already own 4+ properties — can I still apply?
Yes — but portfolio landlord rules apply, meaning lenders assess your entire portfolio, not just the new property. Our advisers specialise in portfolio BTL applications and know which lenders take the most favourable approach.
Will getting a quote affect my credit score?
No. Getting a quote does not involve a credit check and will not impact your credit file. A hard search is only carried out if you choose to proceed with a specific application.
How long does the process take?
A straightforward BTL mortgage typically takes 4 to 8 weeks from application to completion. Complex cases or portfolio applications can take longer — your adviser will give you a realistic timeline upfront.
Not Sure Which BTL Mortgage Is Right for You?
Speak to a friendly UK adviser — completely free, with no obligation.