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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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Apply NowRelated property finance
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Portfolio Finance
A single facility funding across multiple investment properties for portfolio landlords.
