Buy to let mortgages.
Whether you are purchasing your first rental or already own a portfolio, we can discuss personal and limited-company borrowing, rental coverage and property-specific lending requirements. More Financial.
Advice that works around your plans.
Whether you are purchasing your first rental or already own a portfolio, we can discuss personal and limited-company borrowing, rental coverage and property-specific lending requirements.
More Financial is based in Peterborough and supports customers across the UK. Learn more about our mortgage brokers in Peterborough.
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Good to know.
Can a limited company get a buy-to-let mortgage?
Some lenders accept suitable special-purpose vehicle companies, subject to the structure and underwriting requirements.
Are buy-to-let mortgages regulated?
Not all buy-to-let mortgages are regulated by the Financial Conduct Authority.
A rent estimate is not a borrowing decision
Lenders commonly use a rental assessment and stress test, alongside the borrower and property requirements. Obtain an appraisal for the individual property. An area’s average rent does not establish achievable rent, and a simple gross yield leaves out costs and tax.
Separate the finance choice from tax and legal advice
Personal ownership and a limited-company structure can have different mortgage terms, costs and tax outcomes. Discuss tax with a qualified tax adviser and ownership with your solicitor. Allow for void periods, repairs, insurance and property-management costs. Not all buy to let mortgages are regulated by the FCA.
Further reading: MoneyHelper: buy to let mortgages ↗. Source checked 24 October 2026. Guidance is general; current lender criteria and your circumstances determine the options.
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