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HMOs, holiday lets, ex-council, non-standard construction, portfolio landlords. If there's rental income in it, we'll find a lender for it.
We access lenders who specialise in these property types, not ones who reject them by default. If it generates rental income, there's usually a lender who'll fund it.
We work with lenders who back first-time HMO investors on strong deals. Experience requirements aren't one-size-fits-all — your application gets judged on numbers, not just history.
Specialist ≠ expensive. We compare across the whole market to find the most competitive deal for your property type. The right specialist lender beats a generic mainstream 'no' every time.
A buy-to-let (BTL) mortgage is a loan secured against residential property you intend to rent out rather than live in yourself. Affordability is calculated differently to a residential mortgage — lenders look primarily at projected rental income against mortgage interest (the interest cover ratio, or ICR) rather than your personal income.
The BTL market is the most fragmented in UK lending — criteria vary enormously across the 100+ active lenders. Property type, lease length, tenant type, and landlord experience all affect who'll lend. A mismatch wastes months; the right match often completes in 6–8 weeks.
Property type, location, rental projection, deposit, existing portfolio. Two minutes on the phone.
From 120+ on our panel, narrowed to lenders who actively want your specific property type and borrower profile.
Written agreement in principle. Soft credit search only — your credit file isn't touched until you instruct us to proceed.
Typical BTL completion is 6–8 weeks. We manage the paperwork, valuer, and lender dialogue so you deal with one team.
Already own rental property and looking to add — or refinance what you've got onto better terms. Past four mortgages you're a 'portfolio landlord' in most lenders' eyes, and the product set changes. We match your portfolio profile to lenders who want exactly this shape of business.
Start your enquiryYour first rental investment, or a property most high-street lenders automatically reject: HMOs, ex-council, holiday lets, flats above commercial, non-standard construction. We access specialists who price these properly instead of declining by default.
Start your enquiryA specialist broker like Norwest Insurance is the quickest route to the right buy-to-let mortgage in the UK. With 120+ lenders on our panel and over 50 years of experience, we match your profile to the right lender before any hard credit check — so your first application is the right one. Call 0161 225 9200 or send a 60-second enquiry and we'll come back with a clear picture of what's possible.
Standard BTL sits at 25% deposit. HMOs and holiday lets typically need 30–35%. Ex-council, high-rise, or non-standard construction often require 35–40%. A few specialist lenders accept additional security (another property, cash collateral) to reduce the deposit.
Yes. Most mainstream lenders want 12–24 months of BTL or HMO experience, but specialist lenders will back first-time HMO investors where the deal and borrower profile are strong. Professional background, property education, and the property itself all influence the decision.
Yes — holiday let mortgages are a distinct product from standard BTL, assessed on projected short-let income (AirDNA data, comparable listings) rather than long-let tenancies. The lender market is narrower than standard BTL but includes mainstream names.
ICR is the ratio between monthly rental income and monthly mortgage interest. Most lenders require rent to cover 125–145% of interest at a stressed rate (typically 5–5.5%). Higher ratios apply to higher-tax-band borrowers. Fail the ICR and the loan size shrinks or the application declines — we run the calculation before applying so you're not surprised.
Yes, but the lender market narrows. Mainstream lenders often reject ex-council or high-rise; specialists who understand the resale value and construction risks are where these deals land. Flats above the 7th–10th floor become more restrictive still.
Slightly — BTL sits around 0.5–1% above equivalent residential rates. The premium reflects the rental-income assessment and the slightly higher perceived risk. But portfolio-specialist lenders often have competitive pricing that beats high-street BTL.
Buying, refinancing, or owner-occupying — matched to the right lender from 120+.
Learn moreFast short-term finance. Terms in hours, funds in days — when a deal won't wait.
Learn moreFacilities from £1m upwards — SPVs, trust structures, multi-site portfolios.
Learn moreWritten AIP before you bid. Completion inside your 28-day deadline.
Learn moreUnlock equity in your commercial property — without remortgaging, without the runaround.
Learn moreSupported living, care provision, community housing — lenders who know your lease structure.
Learn moreTell us about the property in 60 seconds. We'll come back with a clear picture of what's possible — no obligation, no hard credit check.