Financial Services
Bondsmore Financial Services Ltd is a UK-based company offering financial solutions.
Buy to Let mortgages
We provide a full spectrum of buy-to-let mortgage solutions, crafted to suit everyone from first-time landlords to large portfolio investors. Whether you're applying as an individual or through a company.
Booking Form
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What is a Buy to Let Mortgage?
Our offering covers everything from standard single-unit properties to larger, more complex setups like multi-unit freehold blocks and HMOs. We also have the experience and insight to support expats and foreign nationals, guiding you through the process with clarity and confidence.
Booking Form
Fill out the form, and we'll contact you.
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Who It's For
These mortgages are assessed differently to residential mortgages and come with specific criteria based on:
- Rental income potential
- Property type
- Deposit amount (usually 20–25%)
- Your experience as a landlord
Years of Experience
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Bondsomre delivers proven results in business and property finance.
FAQs
We’re here to help. If you can’t find your question here contact us and we’ll get back to you.
Who can apply for a Buy-to-Let mortgage
BTL mortgages are available to: Individual landlords (including first-time landlords) / Limited companies or SPVs / Portfolio landlords (those with 4+ properties) / Expats and foreign nationals (subject to criteria)
How much deposit do I need?
Typically, a 25% deposit is required, but some lenders may offer up to 80% LTV.
How is borrowing assessed for BTL mortgages?
Unlike residential mortgages, affordability is mainly assessed on rental income, not personal salary. Most lenders require the rental income to cover 125–145% of the mortgage repayments at a stress-tested interest rate.
Can I get an interest-only mortgage?
Yes. Most BTL mortgages are available on an interest-only basis, allowing landlords to keep monthly repayments lower and maximise rental yield.
What types of properties can be financed with a BTL mortgage?
Lenders can finance: Single-unit flats or houses / Houses in Multiple Occupation (HMOs) / Multi-unit freehold blocks (MUFBs)
What fees should I expect?
Typical costs include: Arrangement fees (if applicable) Valuation fees / Legal fees / Broker fees / Early repayment charges (for fixed-rate products)
We're here to help
Fill out the form below, and our team will get back to you as soon as possible. Whether it's about our products, services, or general inquiries, we're here to assist you.
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