Mortgages

Paragon Mortgages

Specialist buy-to-let and portfolio lending from one of the UK's leading investment property lenders. HMO, limited company, and multi-unit products available.

Buy-to-Let Specialist

Expert lending for property investors

Paragon has been at the forefront of UK buy-to-let lending for over 25 years. They understand the needs of property investors at every stage, from first-time landlords purchasing a single rental to experienced portfolio holders managing dozens of properties across multiple structures.

Through Doulton Bridging Finance, we access Paragon's complete product range including specialist options for HMOs, multi-unit blocks, and limited company purchases. If you are building or refinancing a property portfolio, Paragon's flexible criteria and experienced underwriting team make them a strong choice.

25+

Years BTL Lending

HMO

Lending Available

SPV

Company Lending

Portfolio

Landlord Products

Why Doulton

Benefits of Paragon mortgages

Buy-to-Let Specialists

Paragon is one of the UK's most established buy-to-let lenders, with decades of experience funding residential investment properties for individual and portfolio landlords.

Portfolio Landlord Lending

Dedicated products for landlords with four or more mortgaged properties, with streamlined assessment processes designed specifically for experienced property investors.

HMO and Multi-Unit

Paragon lends on houses in multiple occupation and multi-unit freehold blocks, property types that many mainstream lenders will not consider at all.

Limited Company Lending

Competitive products for properties held within SPV structures, recognising that many landlords now operate through limited companies for tax efficiency.

Top Slicing Available

Where rental income alone does not meet the interest coverage ratio, Paragon can consider your personal income to top up the shortfall, unlocking deals that would otherwise fail.

Experienced Underwriting

Paragon's underwriters specialise exclusively in investment property lending, bringing deep knowledge and a common-sense approach to every application.

The Process

How it works

Portfolio Review

We assess your existing property portfolio, investment plans, and financial position to determine the most suitable Paragon product for your next purchase or remortgage.

Product Selection

We compare Paragon's range against other specialist buy-to-let lenders to ensure you access the most competitive rate and terms for your property type.

Application Management

We prepare your application with full portfolio details, working with Paragon's underwriters to present your investment case clearly and efficiently.

Completion

We coordinate with Paragon, your solicitor, and managing agents to complete your mortgage and get your investment up and running.

Grow your portfolio with Paragon

Whether you are purchasing your first buy-to-let or refinancing an established portfolio, we can help you access Paragon's specialist rates.

Get a Quote Discuss Your Portfolio

FAQs

Frequently asked questions

Can I get a Paragon mortgage through Doulton?

Yes. We hold broker agencies with Paragon where available and can access their intermediary product range. Where Paragon is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Paragon via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Paragon cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Paragon offer?

Paragon's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Paragon can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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