Buy to Let Mortgages
Expert mortgage advice for landlords, portfolio investors, and HMO operators. Whether you are purchasing your first rental property or expanding a portfolio, we find the right lender for your strategy.
What Is Buy to Let Finance?
Buy to let finance covers the range of mortgage products designed for purchasing and refinancing residential properties that are rented to tenants. Unlike standard residential mortgages, BTL lenders primarily assess affordability based on the rental income the property is expected to generate.
The buy to let market has evolved significantly in recent years. Portfolio landlords — those with four or more mortgaged properties — face additional underwriting requirements, while limited company structures have become increasingly popular for tax planning purposes. HMO properties, holiday lets, and multi-unit freehold blocks each carry their own specialist criteria.
Blanc Property Finance compares buy to let products across the whole market, including high-street banks, building societies, and specialist lenders. We handle the application process from initial enquiry through to completion, ensuring your investment timeline stays on track.
80%
LTV up to
2-year fixed
Rates from
HMO accepted
Property types
Ltd Co lending
Ownership
Why Choose Blanc for Buy to Let?
From single-property landlords to portfolio investors, we source mortgage solutions tailored to your investment goals.
Standard Buy to Let
Competitive fixed and tracker rates for single-property landlords. We compare products across high-street banks and specialist lenders to find the best deal for your investment.
HMO Mortgages
Houses in multiple occupation attract higher yields but need specialist underwriting. We place HMOs of all sizes, from 3-bed shared houses to large-scale licensed properties.
Portfolio Landlord
Own four or more mortgaged buy to lets? We navigate portfolio underwriting rules and stress tests to secure the most favourable terms across your entire holding.
Limited Company BTL
Purchasing through an SPV or trading company offers tax efficiencies for higher-rate taxpayers. We source lenders who specialise in corporate buy to let structures.
Holiday Let Mortgages
Short-term holiday lets and serviced accommodation require specialist lending criteria. We arrange finance based on projected rental income from platforms like Airbnb and Booking.com.
First-Time Landlord
Entering the rental market for the first time? We guide you through affordability, deposit requirements, and lender criteria to make your first investment a success.
Frequently Asked Questions
Common questions about buy to let mortgages, answered by our specialist team.
Ready to Invest in Buy to Let?
Whether you are a first-time landlord or a seasoned portfolio investor, our team will find the right mortgage for your next property purchase.