Buy-to-Let Mortgages
Buy-to-let mortgage rates from 3.49% pm across 130+ specialist lenders - for single investment properties, HMOs, holiday lets, limited company SPVs, and large portfolios.
The right mortgage for your investment strategy
Whether you are buying your first rental property or refinancing a portfolio of twenty, the right buy-to-let mortgage depends on the property type, your ownership structure, and the rental yield available. At Doulton Bridging Finance, we run every case across 130+ specialist lenders - from high-street banks to specialist BTL providers - to find the best rate and criteria match for your specific investment.
Tailored lending for every landlord
Individual BTL Mortgages
Standard single-let AST mortgages for residential investment properties in personal name. Widest lender panel, most competitive rates, 75% LTV standard. ICR assessed at 125% (basic rate) or 145% (higher rate).
Portfolio Landlord Lending
Landlords with four or more mortgaged properties are subject to PRA portfolio rules. We work with Paragon, Fleet, Foundation, and other specialist portfolio lenders who manage the full schedule documentation efficiently.
Limited Company SPV
BTL through a special purpose vehicle gives higher-rate taxpayers full mortgage interest deductibility and corporation tax on profits. Most specialist lenders now offer Ltd Co products - we find the best rate for your SPV structure.
HMO Mortgages
Houses in Multiple Occupation assessed on per-room rental income rather than whole-property ICR. Licensed HMO, Article 4 compliant, and unlicensed properties all served by specialist HMO lenders on our panel.
Holiday Let Mortgages
Holiday let properties assessed on projected annual FHL income by specialist valuers. Short-term rental and Airbnb properties in recognised tourist locations - often yielding significantly more than standard BTL.
Interest-Only Available
Most BTL mortgages are structured interest-only as standard, maximising monthly cash flow. Capital is repaid at term end from the property sale or portfolio refinance. ICR stress tests apply at the lender's assessed rate.
How it works
Tell us about your investment
Share the property details, rental income, and your portfolio position. We provide an initial rate indication and ICR pass/fail within hours.
Lender search and ICR modelling
We run the ICR across 130+ BTL lenders to identify which pass your specific rental yield at the most competitive rate - and manage the application to the right one.
Application and valuation
We manage the full application, coordinate the RICS valuation, and liaise with your solicitor to keep the process moving efficiently.
Mortgage offer and completion
Once the mortgage offer is issued, we work with all parties to complete as quickly as possible. Typical timeline: 4 to 6 weeks from application to completion.
Ready to grow your property portfolio?
Get a personalised buy-to-let mortgage quote. We search 130+ specialist lenders to find the best rate and criteria match for your investment.
Frequently asked questions
How is the ICR calculated for a BTL mortgage?
ICR (Interest Coverage Ratio) = annual rent ÷ stressed annual mortgage interest × 100. For a £200,000 mortgage at a 5.5% stress rate, stressed interest = £11,000/year. To pass at 125% ICR, annual rent must be ≥ £13,750 (£1,146/month). Higher rate taxpayers require 145% ICR - rent of £15,950/year minimum on the same mortgage.
Should I buy BTL in personal name or through a limited company?
For higher-rate taxpayers, a limited company SPV is typically more tax-efficient - full mortgage interest relief and corporation tax on profits rather than income tax. For basic-rate taxpayers the difference is smaller. The right answer depends on your wider tax position - take accountancy advice specific to your situation before deciding.
What is the minimum deposit for a BTL mortgage?
25% deposit (75% LTV) for most specialist BTL lenders. Some advance to 80% LTV for strong ICR cases and experienced landlords. HMO mortgages typically require 25-30%. Non-resident landlord mortgages also typically require 25%.
Can I get a BTL mortgage for an HMO property?
Yes, from specialist HMO lenders. HMO properties are assessed on per-room income rather than whole-property rental. HMO licensing requirements must be in place before most lenders will advance funds. We work with the full specialist HMO lender panel.
How are portfolio landlords assessed differently?
Landlords with four or more mortgaged properties must provide a full portfolio schedule with every new application. Portfolio-level ICR stress testing applies alongside individual property assessment. Specialist portfolio lenders - Paragon, Fleet, Foundation - are experienced with both the PRA rules and the documentation required.