First and next purchases
Buying a standard single-let property, either personally or through a limited company.
Landlord and portfolio lending
Buy-to-let mortgages
A buy-to-let mortgage is a loan secured against a property you let to tenants, assessed primarily on the rent the property produces rather than on your personal income. Most landlord lending is unregulated, and lenders differ widely on HMOs, limited company structures and portfolio size.
Whole case packaged for you
Fees disclosed upfront
Brokers, not a lender
Get an indicative quote
Step 2 of 7Is this a purchase or a refinance?
Either way we look at the whole panel, not one lender.
When it is used
Situations we see most often
Exiting a refurbishment bridge
Refinancing onto a term buy-to-let mortgage once works are complete and the property is let.
Portfolio refinancing
Restructuring several properties at once, releasing equity or moving off expensive legacy facilities.
Who it suits
- First-time landlords buying an investment property
- Experienced landlords growing or restructuring a portfolio
- Investors buying through a limited company or SPV
- Landlords with HMOs or multi-unit blocks that mainstream lenders decline
| Typical terms | Indicative range |
|---|---|
| Loan to value | Typically up to 75%, occasionally 80% |
| Rental cover | Stress-tested against the payment, with a margin set by the lender |
| Structure | Personal name or limited company — the tax treatment differs |
| Property types | Single lets, HMOs, multi-unit blocks, holiday lets |
| Term | Commonly 5 to 30 years, often interest only |
| Portfolio landlords | Four or more mortgaged properties triggers extra underwriting |
Indicative ranges based on typical specialist market terms. Your actual terms depend on the property, your circumstances and the lender the case is placed with.
How Amram handles it
What we actually do for you
We are brokers. We do not lend our own money — we package your case and place it with the lender most likely to fund it, then manage it to completion.
The conversation
We look at the property, the expected rent, how you hold your properties and where the deposit is coming from.
Packaging
We package the rental evidence, your portfolio schedule, company documents and the numbers lenders stress-test against.
Lender sourcing
We approach lenders whose criteria fit the property type and structure, which matters most on HMOs and company cases.
Valuation and legals
We coordinate the valuation and the legal work, including the additional requirements on limited company lending.
Offer and completion
The offer is issued and we manage it to completion, coordinating with any bridge being repaid at the same time.
What you’ll need
Have these ready and it moves faster
The single biggest cause of delay is a case assembled as it goes. We will ask for these at the start so the file is lender-ready before it is submitted.
- Details of the property and evidence of the achievable rent
- Your portfolio schedule if you already own rental property
- Proof of the deposit and its source
- Company documents, director details and personal guarantees for SPV cases
- Proof of identity, address and, for some lenders, personal income
- Existing tenancy agreements where the property is already let
Situations
Does one of these sound like you?
Illustrative situations rather than client case studies — the kinds of enquiry this market sees, and what usually works in each.
“I have several properties and want to restructure the whole portfolio”
Several properties on legacy rates, some equity to release, and a structure that may no longer suit.
What usually works“I live abroad and want to buy property in the UK”
You are a British expat or a foreign national and UK lenders keep declining on residency alone.
What usually works“I want to buy my next rental through a limited company but have never done it”
Everyone says buy through a company, but nobody explains how the lending actually works.
What usually worksQuestions
Frequently asked
How much can I borrow on a buy-to-let mortgage?
Usually the lower of the loan to value cap and what the rent will support. Lenders stress-test rental income against the payment with a margin, so the rent — not the property value — is frequently the binding constraint.
Should I buy in a limited company?
It depends on your tax position, how long you intend to hold and whether you draw income from the properties. Many landlords now buy through a company for the tax treatment of finance costs, but this is a decision for your accountant, not your broker. We can arrange funding either way.
Can I get a mortgage on an HMO?
Yes, through specialist lenders. Criteria vary sharply on room numbers, licensing and whether the property is valued as a house or on its income. That variation is precisely where broker access to the right panel earns its keep.
What is a portfolio landlord?
Generally someone with four or more mortgaged buy-to-let properties. It triggers additional underwriting: a full portfolio schedule, a business plan and stress-testing across the whole portfolio rather than the single property.
Can I refinance straight out of a bridge?
Often yes, though many lenders apply a minimum ownership period — commonly six months — before lending against an improved value. We plan the exit around the specific lender before the bridge is even drawn.
Is buy-to-let lending regulated?
Most is not. A consumer buy-to-let — for example a property you inherited or previously lived in — can be regulated. We will confirm which regime applies to your case.
Keep reading
Related pages and guides
Refurbishment
Light and heavy refurbishment, including unmortgageable stock.
View pageCommercial mortgages
Owner-occupied and investment premises across the UK.
View pageResidential mortgages
Purchases, remortgages and first-time buyers.
View pageBridging Loan Exit Strategies Explained
Sale, refinance or something else: how lenders underwrite your exit, what evidence they want, and what happens if the exit slips.
Read the guideWhat Is a Bridging Loan and How Does It Work?
A plain-English explanation of bridging finance: what it is, how lenders price it, when it makes sense and what it costs in practice.
Read the guideBridging loan calculator
Work out the gross loan, LTV, interest and every fee before you speak to anyone.
Open the calculatorTalk the deal through
Free deal review by a specialist. We will tell you what is achievable, what it is likely to cost and what the lender will want to see.
Amram Finance Ltd is a credit broker, not a lender. We do not lend our own money and we do not approve or issue loan offers. Most buy-to-let lending is not regulated by the Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on a loan secured on it. Some forms of bridging finance and buy-to-let lending are not regulated by the Financial Conduct Authority.