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.
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.
These mortgages are assessed differently to residential mortgages and come with specific criteria based on:
A short online form or a call with an adviser. No credit check at this stage.
We compare the market, package your case and manage the application through to approval.
Legal work completes and the money is released, so you can acquire the asset or unlock capital.
“Bondsman Financial services and especially Raffaele Graci gave me and my company exception service. It is a pleasure doing business with them”Bright Ideas · Google
“Raff and the team are amazing at what they do. Happy to answer any questions that you have and are quick to respond.”Lorraine Kokas · Google
“Exceptional service provided 👍”Eren Guner · Google
If you can’t find your question here, contact us and an adviser will get back to you.
Contact usBTL 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)
Typically, a 25% deposit is required, but some lenders may offer up to 80% LTV.
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.
Yes. Most BTL mortgages are available on an interest-only basis, allowing landlords to keep monthly repayments lower and maximise rental yield.
Lenders can finance: Single-unit flats or houses / Houses in Multiple Occupation (HMOs) / Multi-unit freehold blocks (MUFBs)
Typical costs include: Arrangement fees (if applicable) Valuation fees / Legal fees / Broker fees / Early repayment charges (for fixed-rate products)
Send us the details and an adviser will come back to you with options.
