Buy-to-let mortgages for landlords and investors
From your first rental property to a professional portfolio, we help landlords secure competitive buy-to-let mortgages across the residential, HMO, and limited company markets.
- Whole-of-market access
- Specialist mortgage advisers
- Thousands of products available
Buy-to-let is a specialist market with its own rules on affordability, stress testing, and taxation. Our advisers work with mainstream and specialist BTL lenders every day.
Whether you're buying in your personal name or through a limited company (SPV), refinancing an existing portfolio, or expanding into HMOs and holiday lets, we can help.
Types of buy-to-let we arrange
- Standard residential buy-to-let
- Limited company (SPV) buy-to-let
- HMO (House in Multiple Occupation)
- Multi-unit freehold blocks
- Holiday lets and short-term lets
- Portfolio landlord refinancing
How BTL affordability works
Lenders stress the rental income against the mortgage payment at a notional rate (usually 5.5%+) at a coverage ratio of 125–145% depending on your tax band and product type. We'll model this for you before you offer on a property.
Personal name vs limited company
Since Section 24 restricted mortgage interest relief, many landlords now hold property inside a limited company. There's no one-size-fits-all answer — we'll walk you through the trade-offs and refer you to a tax specialist where needed.
Frequently Asked Questions
What deposit do I need for a buy-to-let?+
Typically 20–25% for standard BTL, and often 30%+ for HMOs and limited company products. A larger deposit usually unlocks materially better rates.
Can first-time buyers get a buy-to-let mortgage?+
It's harder, but not impossible. A small number of specialist lenders will consider first-time landlords who are also first-time buyers.
Get in touch with our team
Tell us a bit about your mortgage needs and we'll guide you toward a suitable broker.
- Emailinfo@osl-fs.co.uk
- Phone+44 1952 459683
- Office11 Dinthill, Telford, England TF3 2DT, GB