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Property Finance

Buy-to-Let Finance

Finance for purchasing residential investment property to let, with rental income considered for affordability.

Loan Range
£50,000 – £15,000,000
LTV
Up to 75%
Terms
2 – 35 years
Decision
3–6 weeks

Key Features

  • Rental income considered for affordability
  • Portfolio lending available
  • Competitive investment rates
  • SPV lending available

Use Cases

  • First investment property
  • Portfolio expansion
  • Refinance to release equity

Eligibility Criteria

Property to let
Rental coverage ratio assessment
Experienced or first-time investors welcome

Documents commonly requested

  • Recent business bank statements
  • Latest filed accounts and current management information
  • Identification and business ownership information
  • Evidence supporting the funding purpose
  • Property, asset, invoice or contract information where relevant

The exact list depends on the facility and lender. Documents are requested only when relevant to the application.

Important considerations

  • Compare the total cost, not only the headline rate
  • Understand arrangement, valuation, legal and exit fees where applicable
  • Check how repayments affect business cashflow
  • Review security, debenture and personal-guarantee requirements
  • Consider early repayment and default provisions before signing

How it works

  • Tell us about your funding need
  • We compare the whole-of-market lender network
  • Receive competitive offers tailored to you
  • We manage the application to completion

Why use FinanceMyCompany?

  • Whole-of-market lender access
  • Transparent, fee-clear advice
  • Dedicated finance specialist
  • Fast, straightforward process

Buy-to-Let Finance — Frequently Asked Questions

Can I use rental income for affordability?

Yes, rental income is the primary factor in determining borrowing capacity.

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