Mortgages

Interest Only Mortgages

Lower your monthly payments and maximise cash flow with interest-only mortgage options for residential and buy-to-let properties.

Cash Flow Optimisation

Maximise your monthly cash flow

Interest-only mortgages offer significantly lower monthly payments by deferring capital repayment to the end of the term. For investors focused on rental yield and capital growth, or homeowners with a clear repayment strategy, this can be a powerful financial tool.

While many mainstream lenders have tightened their interest-only criteria, specialist lenders continue to offer competitive terms for borrowers who can demonstrate a credible repayment vehicle. Doulton Bridging Finance identifies the right lender for your situation, whether you plan to repay through property sale, pension, investments, or other means.

Lower

Monthly Payments

130+

Specialist Lenders

BTL

And Residential

Flexible

Repayment Vehicles

Why Doulton

Interest-only options for every circumstance

Lower Monthly Payments

By paying only the interest each month, your payments are significantly lower than a repayment mortgage. This frees up cash flow for other investments or living costs.

Residential and BTL Options

Interest-only is available for both residential homeowners and buy-to-let investors. Different lenders have different criteria for each, and we know which ones to approach.

Multiple Repayment Vehicles

Lenders accept a range of repayment vehicles including property sale, pension drawdown, investment portfolios, other property equity, and savings plans.

Self-Employed Friendly

Business owners and self-employed borrowers can access interest-only terms. We work with lenders who assess accounts, tax returns, and retained profits flexibly.

Company Structures

SPV and limited company borrowers can secure interest-only mortgages, particularly for buy-to-let portfolios where maximising rental yield is the priority.

Part and Part Available

If full interest-only is not available or suitable, part-and-part mortgages combine interest-only and repayment elements to balance cash flow with capital reduction.

The Process

How it works

Assess Your Position

We review your income, assets, and repayment vehicle to determine which interest-only options are available and which lenders are the best fit.

Lender Search

We search across 130+ lenders to find the most competitive interest-only rates for your circumstances, whether residential or investment.

Application Support

We prepare and submit your application with the supporting documentation needed to demonstrate a credible repayment vehicle to the lender.

Completion

We coordinate valuation, legal work, and lender requirements to complete your interest-only mortgage as efficiently as possible.

Explore interest-only mortgage options

Find out what interest-only rates are available for your property and circumstances. Our team provides a personalised quote within hours.

Get a Quote Discuss Your Options

FAQs

Frequently asked questions

What types of UK mortgage can Doulton arrange?

Residential, buy-to-let, portfolio, limited-company BTL, HMO, commercial, semi-commercial, high-value, private bank, expat, interest-only, second-charge and specialist adverse-credit mortgages. We work across the whole of market.

How much can I borrow?

Residential borrowing is typically 4-5.5x income depending on the lender and profile. Buy-to-let lending is sized on rental income against stress-tested interest cover ratios. High-value lending and private bank cases are assessed holistically on wealth and serviceability.

What is the minimum deposit?

Residential mortgages typically need 5-15% deposit. Buy-to-let usually requires 20-25%. Specialist, high-value and expat ranges often require 25-40%. Larger deposits unlock better rates across every product.

Can I get a mortgage with complex income or adverse credit?

Yes. Self-employed, contractor, commission-based, bonus-reliant and multi-currency incomes all have specialist lender homes. Borrowers with recent defaults, CCJs, DMPs or historic bankruptcy can also be placed, with pricing reflecting the risk profile.

How long does a mortgage application take?

Straightforward residential applications reach offer in 2-4 weeks. Specialist, high-value and expat cases typically take 4-8 weeks. Conveyancing and exchange after that is driven by your solicitor's speed.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.