Buy to Let Mortgage

Smart, straightforward finance for UK landlords

Looking to invest in rental property? Whether you’re a first-time landlord or expanding an established portfolio, securing the right buy-to-let mortgage is key to making your property investment work.

We’re a dedicated buy-to-let mortgage specialist supporting clients across the UK with tailored advice and quick access to funding. From single lets to HMOs and portfolio refinancing, we’ll match you with the lender and product that suits your investment strategy.

What is a buy-to-let mortgage?

A buy-to-let mortgage is a loan secured against residential property you intend to let out to tenants.

Unlike standard residential lending, the focus is on the property’s rental income, not just your personal affordability.

You can get a mortgage for a buy-to-let property as an individual, limited company, or SPV. Lenders assess expected rent, loan-to-value, and your experience as a landlord, and rates vary depending on the complexity of the deal.

We assist with:

First-time landlord applications
SPV and limited company structures
Remortgages and capital raising
HMOs, MUFBs, and student lets
Short-term or Airbnb lets (select lenders)

As a trusted buy-to-let mortgage broker, we simplify the process, negotiate strong terms, and help you avoid the usual headaches.

Buy-to-let mortgage criteria

When applying for a buy-to-let mortgage online or through a broker, lenders will typically review the following:

Loan-to-value (LTV):

Usually up to 75%, though some lenders go higher

Rental coverage:

Typically 125–145% of monthly repayments (stress tested)

Experience:

Previous landlord experience helps but isn’t always essential

Property type:

Houses, flats, HMOs, and multi-unit blocks are all considered

Applicant type:

Individuals, partnerships, companies, and SPVs accepted

Credit status:

Adverse credit can be considered, depending on the case

We’ll work with you to prepare a lender-ready application and match it to the most suitable product on the market.

Submit application

We can help with:

First time landlords and first-time buyers

Sole traders and limited companies

Expats and foreign investors

HMOs, holiday lets and multi-unit freehold blocks

Standard lets

Mixed property portfolios

Student lets and DWP lets

Personal to limited company transfers

No minimum 6-month ownership rule

Exclusive products available

Why work with a buy-to-let mortgage broker?

Using a buy-to-let mortgage broker in London or nationally gives you direct access to specialist lenders and bespoke deals not available on the high street. At Envelop Finance, we act fast, deal with the complexity for you, and offer unbiased advice to help you make smarter choices.

As a buy-to-let mortgage specialist, we support you with:

Accurate rental calculations and stress testing
Structuring for personal or limited company lending
Portfolio landlord guidance and consolidation
Transparent advice with no jargon or pushy sales
Market access to top UK buy-to-let mortgages

Want to know more about buy to let mortgages?

Criteria

Buy-to-Let Criteria

FAQs

Buy-to-Let FAQs

Calculator

Buy-to-Let Calculator

Application

Buy-to-Let Application

Apply for a buy-to-let mortgage

Whether you’re buying your first rental property or refinancing a growing portfolio, we make the process simple.

You can start your buy-to-let mortgage online using our secure form or get in touch for tailored guidance from a specialist.