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Property finance solutions for all

Buy to let mortgages. Commercial mortgages. Property development finance. Short term & bridging loans. Residential mortgages. Whatever your funding needs let our expert, award-winning brokers find the right property finance for you.

Direct access to the specialist lenders

If you can't place deals directly with the specialist buy to let lenders, let Mortgages for Business do it for you. We're on all the direct access panels and we'll work with you to get your cases placed successfully.

How we can help...

  • Experts in placing complex buy to let deals
  • Direct access to all specialist lenders
  • Good commission and no up-front fees

Find the best buy to let mortgage

1 year
2 year
3 year
4 year
5 year
7 year
10 year
Lifetime year
 House in Multiple Occupation
 Limited Company Products
 Portfolio Landlord

Rate
APR
Type Details Term
Max Loan
Req Rent
Lender Fee
Int Only
Cap & Int
Max LTV
Reversion Rate
1.99% 5.4% Fixed 2 year term. £150,000 £756 £3,750 £255 £777 75% 5.50% (LIBOR + 4.65%). Quote
2.49% 5.4% Fixed 2 years to 31/07/2021. £150,000 £389 £1,999 £315 £805 75% 5.60% (SVR). Quote
2.49% 5.2% Fixed 3 years to 31/07/2022. £150,000 £389 £1,999 £315 £805 75% 5.60% (SVR). Quote
2.49% 5.4% Fixed 2 years to 31/07/2021. £150,000 £389 £1,999 £315 £805 75% 5.60% (SVR). Quote
2.59% 4.8% Fixed 5 years to 31/07/2024. £150,000 £405 £1,999 £328 £812 75% 5.60% (SVR). Quote

Some of our lenders

  • Kent Reliance Banking Services
  • Fleet Mortgages
  • Keystone Property Finance
  • Castle Trust Logo
  • Foundation Home Loans
THIS INFORMATION IS FOR MORTGAGE BROKERS AND OTHER INTERMEDIARIES ONLY. IT IS NOT INTENDED FOR USE BY THE GENERAL PUBLIC.

Talk to our deal placement team

Meet the team
Let us place that deal for you

What is classed as a complex buy to let case?

 A complex buy to let mortgage case is any application that isn’t classed as vanilla or standard buy to let and can't be placed with the mainstream buy to let lenders. Complex cases usually fall outside of the lending criteria of the mainstream lenders and need placing with the specialists who operate via restricted panels.

 

Why can’t I access these lenders directly?

These specialist lenders only allow a selection of brokers to join their panels to control the flow and quality of submissions. Mortgages for Business has taken time to develop strong relationships with these lenders and is currently the only broker on all the panels.

 

We can help with:

• Loans up to 85% LTV

• HMOs and student lets

• Multi-units

• Ltd company and LLP applications (SPVs and trading businesses)

• Non-standard construction

• Experienced landlords with no limit on the portfolio size

• Some adverse credit

• First time landlords

• Ex-pats

• New build properties up to 85%

• Rental income stress test from 110%

• Holiday lets

• Recently refurbished properties and remortgages within six months of purchase

• Light to medium refurbishment loans

• Short and medium term loans (3-18 months, 3-5 years)

• Flats above offices and shops

• No minimum income requirements

• Employed or self-employed applicants

• First time buyers

• Foreign nationals

• Short and medium term loans (1-18 months, 3-5 years)

 

Fees

As with any buy to let mortgage application, your client will have to pay all the associated fees. However, in most cases, we will not charge your client a broker fee - that's for your to do. And of course, if that's not the case, we will let you know up front. Remember, your client remains your client.

 

Commission

We pay brokers commission up to 1% of the loan amount. The actual amount varies from lender to lender. For details of what we currently pay, please contact the Deal Placement Team on 0345 148 9238 or send us a request via email. In order to receive commission, you must be registered with us - see below for a Broker Registration Form.

Once we have been paid you will get paid. We have payment runs twice a month, so you'll never be kept waiting once a case has fully completed.

 

What should I do now?

If you would like to place cases through Mortgages for Business you will need to register with us first. To register please contact our Deal Placement Team on 0345 148 9238 for more details.

>> Download our Broker Registration Form

If you are already registered with us call 0345 148 9238 to place that case!

>> Download our Buy to Let Application Form (This document is an interactive PDF. To complete, download it first then fill it in using your PDF viewer and save it with your details.)

Buy to let: News and insight

See all news
  • Buy to Let Enters a ‘Silver Era’

    As savvy investors are looking to enhance their retirement income through other non-pension means, there has been a rise in older landlords. Andy McOwat, senior BTL consultant, explores how buy to let lenders are reacting to this change in the market and what’s on offer for the over 70’s investor.

  • Guide to remortgaging

    So, you have an established buy to let property with a mortgage…now what? There are various points in your buy to let lifecycle where you may want to consider remortgaging. Nick Helm, buy to let specialist, explains the various reasons for remortgaging your property.

  • Layered Company Ownership

    More and more clients are looking at new and different tax efficient ways to manage their buy to let portfolios, including limited company ownership. Sometimes these company structures are more complicated, including those which are owned by another limited company – as known in the mortgage world as a layered structure. Why are we seeing more o...

  • Personal or Ltd Company ownership of buy to let property?

    Income tax relief on buy to let mortgage interest is being restricted but is it more tax efficient and financially better all round to operate your portfolio using a limited company? Buy to let expert Gavin Richardson compares the options.

NB: ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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