Buy-to-Let Mortgages – UK-Wide
Fast, specialist mortgage solutions for landlords, investors, and limited companies — delivered by LivFinance.
Need a buy-to-let mortgage for a purchase or remortgage? LivFinance is built around property, finance, and execution. We move quickly, package cases properly for underwriting, and manage the full process end-to-end to secure the right outcome.
Our background in property ownership, management, construction, and development means you receive practical guidance — not just a product. We’ll advise on feasibility, lender appetite, and the best route forward based on your numbers and timeline.
✔︎ Purchase & remortgage
✔︎ Up to 85% LTV available (subject to lending assessment and case strength)
✔︎Limited company / SPV buy-to-let
✔︎Portfolio landlords (4+ mortgaged properties)
✔︎ HMOs, MUFBs & mixed-use considered
✔︎Interest-only or repayment options (case-dependent)
Why Choose LivFinance for Buy-to-Let Mortgages?
Backed by 50+ Years in Property & Finance, We Know What Developers Need
✔︎ Fast, expert-led process — decisive next steps and rapid lender feedback
✔︎ Trusted funding access — competitive terms and specialist solutions
✔︎ Straightforward and complex cases — personal, SPV/company, portfolio, HMO, MUFB and mixed-use
✔︎ Proactive case management — we drive valuation, underwriting and solicitors to completion
✔︎ Deep property expertise — ownership, management, construction and development background
✔︎ Feasibility guidance — we’ll advise whether the numbers stack up and how best to structure the loan
Buy-to-Let Mortgage Key Features
✔︎ Loan-to-Value (LTV): commonly up to 75%, with options available up to 85% depending on the product and overall case strength
✔︎ Affordability: primarily based on rental income — lenders often look for around 125% coverage under stress testing (varies by product)
✔︎ Terms: commonly 2–5 year fixed options, with alternatives available
✔︎ Repayment: interest-only or repayment (case-dependent)
✔︎ Borrower types: personal name, limited company / SPV, portfolio landlords
✔︎ Property types: single lets, HMOs, MUFBs and mixed-use (subject to property and tenancy structure)
What Is a Buy-to-Let Mortgage and How Does It Work?
A buy-to-let mortgage is designed for investors purchasing or refinancing a rental property. Unlike residential mortgages, lenders focus heavily on the rent the property can achieve, your deposit/equity, and the overall strength of the case.
Most lenders will assess:
✔︎ Expected rental income vs mortgage payments (stress-tested)
✔︎ Deposit/equity level (LTV)
✔︎ Property type, condition, and location
✔︎ Experience (depending on product)
✔︎ Portfolio exposure if you have multiple mortgaged rentals
Call: 0203 603 0677 | Email: team@livfinance.co.uk
Common Buy-to-Let Mortgage Requirements We Arrange
Buy-to-let purchase (single let / investment property)
✔︎ Remortgage to secure a better rate or term
✔︎ Capital raise (subject to affordability and lending assessment)
✔︎ Portfolio refinance / restructure borrowing (4+ mortgaged properties)
✔︎ Limited company SPV buy-to-let
✔︎ HMOs / MUFBs / mixed-use considered
✔︎ Sense-check and feasibility advice before you commit (rent, leverage, structure, timeline)
Buy-to-Let Criteria Snapshot (What Lenders Typically Look For)
✔︎ Deposit / equity: often 25%, though 15% deposit (85% LTV) can be achievable on certain products/cases
✔︎ Rental coverage: rent often needs to cover around 125% of payments (stress-tested)
✔︎ Portfolio landlords: 4+ mortgaged BTLs = more detailed underwriting
✔︎ EPC: privately rented property typically needs E or above unless exempt
✔︎ Top slicing: some cases can use personal income to support affordability (where available)
Our Buy-to-Let Mortgage Process
Quick fact-find – requirement, address, value, rent, deposit/equity, timescales
Strategy + lender selection – we position the case correctly to secure the best terms
Decision in Principle – where appropriate
Valuation + underwriting – we drive momentum and manage communication
Offer + completion – clear timelines through to completion
Speak to a Buy-to-Let Mortgage Specialist Today
We’ll confirm the best route, likely lender requirements, and the fastest way to get you to offer and completion.
📞 0203 603 0677
📧 team@livfinance.co.uk