Property Finance

Buy-To-Let Mortgages

Specialist mortgages for landlords and investors: build your property portfolio with confidence.

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Soft-check eligibility only • no impact on your credit score

Our Lender Panel Includes

Shawbrook•Close Brothers•Lombard•Black Horse•Hitachi Capital•Northridge•JBR•& More

66+

Trusted Lenders

£100M+

Funded

Highly

Reviewed

Excellent on Google Reviews

Why Choose a Buy-To-Let Mortgage?

Specialist finance designed around your investment strategy, not a generic product.

Generate Rental Income

Structure your mortgage to maximise net rental yield with interest-only options to reduce monthly outgoings.

Build Long-Term Wealth

Property investment remains one of the most reliable wealth-building strategies, and we help you do it efficiently.

Portfolio Expansion Support

Whether adding your second property or your twentieth, we have lenders who support portfolio landlords at scale.

Repayment or Interest-Only

Choose the structure that suits your strategy: capital repayment to build equity, or interest-only to maximise cashflow.

First-Time & Experienced Landlords

We welcome first-time landlords and have lenders comfortable with complex multi-property portfolios.

Competitive Specialist Rates

Access rates from a dedicated panel of buy-to-let lenders, not available on the high street.

Our Finance Process

Our Process

A clear, guided journey from first enquiry to funds in your account.

Initial Enquiry & Quick Assessment

Share details of the property and your rental income expectations. We'll confirm feasibility and give you an indicative rate.

Detailed Consultation & Documentation

We gather full details of the property, your portfolio, and financial position to build the strongest possible application.

Tailored Finance Proposal

We present a clear buy-to-let proposal covering rates, fees, rental stress-test calculations, and lender rationale.

Lender Approval & Legal Process

We manage the lender's credit process, valuation, and solicitor liaison to keep your purchase or remortgage on track.

Funds Released

Funds are released on completion: your investment property is yours, and your rental income journey begins.

Looking To Finance Something Else?

Explore our full range of vehicle, business, and property funding solutions.

Business Loans

Short and medium-term working capital for your next deal.

Asset Refinance

Release equity from existing assets to support expansion.

Vehicle Finance

Fund operational vehicles for construction and property teams.

Testimonials

What Our Clients Say

Real stories from real clients

BCC

Trustpilot · Great Service from Start to Finish

“

Dan and Owura were incredibly helpful from start to finish. They guided me through the process of funding my Lamborghini Huracán Tecnica, making everything smooth and stress-free. Their professionalism and attention to detail made the experience enjoyable, and they were always available to answer my questions. I couldn’t be happier with the service.”

Opulent Pools

Trustpilot · Couldn’t recommend Crownstone enough

“

Both Dan and Owura are so helpful throughout the process, giving me loads of different options as well as advising what would work best for me. They’ve now financed 5 different cars for me and every single time they’ve gone above and beyond. 5 star guys.”

Debonair Cooling

Trustpilot · Owura and Dan are amazing

“

Owura and Dan are amazing - they’ve got me 2 vans and a GLE53. Great guys, customer service etc. Will be using them for a lifetime.”

Case Studies

Recent Work

McLaren 720S Finance

Complex income structure resolved with specialist lender.

Read Case Study

Fleet Expansion

£2.5M fleet finance arranged for growing logistics company.

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Frequently Asked Questions

A buy-to-let mortgage is a specialist loan product for individuals or companies purchasing property with the intention of renting it out to tenants. It differs from a residential mortgage in how affordability is assessed, with lenders focusing primarily on the property's rental income potential rather than the borrower's personal income.

The key differences are in affordability assessment and product terms. Buy-to-let affordability is calculated using a rental stress test, typically requiring rental income to be 125–145% of the mortgage payment at a notional stress rate. Rates are also usually slightly higher than residential mortgages, reflecting the perceived investment risk.

Borrowing is primarily governed by the rental income the property can generate. Most lenders use an Interest Coverage Ratio (ICR) of 125–145%, meaning the monthly rent must cover at least 125–145% of the monthly mortgage payment. Loan-to-value limits are typically 75%, though some specialist lenders offer up to 80%.

The minimum deposit for a buy-to-let mortgage is typically 25% of the property value, meaning a maximum loan-to-value of 75%. Some specialist lenders will consider 80% LTV in certain circumstances. A larger deposit generally secures better rates and opens access to a wider panel of lenders.

Yes, many lenders accept first-time landlords, though some require you to be an existing homeowner. As a first-time landlord, you may have slightly fewer lender options, but our specialist brokers know which lenders are most accommodating and can present your application to those best suited to your profile.

Our Lender Panel