Our opening hours will change during the festive season. 

Our opening hours will change during the festive season. We will close from 2.00pm on the 24th December and reopen at 9.00am on the 27th December. Our usual opening hours will then apply. We will be closed on the 1st January and reopen at 9.00am on the 2nd January.

Commercial mortgages for professional landlords

We help experienced property landlords with individually tailored mortgage lending to purchase new properties and refinance existing ones to help grow and expand their portfolios. We work across buy-to-let, large and small HMOs as well as commercial and semi-commercial properties.

Find out more

Our Products

Features and Benefits

Fixed and variable interest rates

Fixed and variable interest rates

You have the choice of fixed and variable interest rates, loan terms up to 30 years (subject to maximum borrowing age), as well as interest only options.

Green Cashback Reward

Green Cashback Reward

Properties with an EPC rating of A – C qualify for our Green Cashback Reward. Earn up to 0.5% cashback for the most efficiently rated properties.

Flexible fees to boost leverage

Flexible fees to boost leverage

Flexibility to lower your interest rate and your monthly payment by choosing a higher fee. This can help improve your leverage and release the capital you need to invest in your portfolio. Please consider the total cost of borrowing when considering these options.

Our expertise in supporting experienced, professional landlords - whether commercial, residential or both - across Britain, gives us unique insight into the importance of applying common sense, speed and flexibility to our decisions. 

We are here to support you with the growth of your portfolio by helping you take advantage of opportunities quickly.

Commercial Properties

Mortgages from £250k to £6.0m
Loan to value Up to 70%
Fixed terms 2-25 years

Net rental income

130% of monthly repayments
  • Interest only options available
  • Mixed-use properties considered
  • 2, 3 and 5 year Fixed Rates available

Minimum Criteria

  • A minimum of two properties in England, Scotland or Wales
  • At least two years' experience as a professional landlord

Residential Properties

Mortgages from £250k to £6.0m
Loan to value Up to 75%
Fixed terms 2-30 years

Net rental income

125% of monthly repayments
  • Interest only options available
  • Mixed-use properties considered
  • 2, 3 and 5 year Fixed Rates available

Minimum Criteria

  • A minimum of two properties in England, Scotland or Wales
  • At least two years' experience as a professional landlord

Helping British property landlords to grow their business

We specialise in helping experienced property landlords to access the finance they need to invest into and grow their property business. We offer individually assessed commercial mortgages allowing us to consider each case on its own merits. Our team is experienced in handling complex and specialised lending for property landlords (including trust structures) ensuring they can review and process your application efficiently and diligently.

We offer buy-to-let mortgages for large and small HMOs, residential, commercial and mixed-use/semi-commercial properties. We consider properties both on assured shorthold tenancies and longer term leases to commercial or government bodies.

Property secured on a loan may be repossessed if repayments are not maintained.

Award

Shortlisted Specialist Lender of the Year 2024

Award

Shortlisted Innovation of the Year 2024

We're here to help you grow your business

Or meet the South & East team, Midlands team and Warrington & North team

FAQs

Our frequently asked questions

Here are a selection of most frequently asked questions. If you can't find what you need here please refer to our Support page using the link below.

Find more answers