Buy-To-Let Mortgages

Products:

fixed & tracker

Term Length:

3 years

Loan amount:

£150k – £10m

Loan-to-value:

up to 75%

New: Interest Only Buy-To-Let Mortgage

We launched our interest-only buy-to-let mortgage for buy-to-let properties to provide the market with a flexible, specialist mortgage it needs. We further enhanced our buy-to-let offering by adding a base rate tracker mortgage, adding additional term options. Borrowers can choose a 2-year fixed or tracker rate, and then move onto a revert tracker rate for 3 years in total.

Our base rate tracker mortgage features no early repayment charges after the initial 2-year rate. This provides borrowers with stability as they make long-term plans. This can include remortgaging, selling after a fixed period, or utilising our tracker options for the years ahead.

We pride ourselves on our ability to look at complex circumstances and make them simple. We do this by employing a bespoke approach and expert underwriting to each and every case. With a max term of 3 years and no tick box criteria, our specialist buy-to-let mortgages can provide optionality and breathing space for initial purchases, future long-term financing, or bridging loan exits.

Our buy-to-let fixed mortgage has three tiers, covering all kinds of borrowers and their requirements. Our tracker mortgage has four tiers, expanding how many scenarios we can work with. Whether our borrowers want to lock in their rates for a fixed period, or follow monetary policy and the wider market, we’ll find a suitable buy-to-let solution.

Our flexible specialist mortgages can cover:

  • Fast bridge exit & capital raising
  • Loans on individual properties up to £3m
  • First timers to Portfolio Pro’s – up to £10m with MFS
  • The ‘Rentally Challenged’ – Boost loan sizes through deferred interest, rolled up/deferred months, and top slicing
  • Small or large Multi-Unit Freehold Blocks & Houses in Multiple Occupation, to flats above commercial
  • Term length: 3 years, with possibility to leave earlier – optionality for investment strategies
  • Expats, foreign nationals, trusts or offshore companies
  • Holiday/Short term lets
  • Impaired credit – tiny dinks to big bumps

Get your quote with our Buy-To-Let calculator

Try out our Buy-To-Let Calculator today to find out how much you can borrow. Download your quote for free to receive a detailed quote showing your interest, charges and other costs associated with your buy-to-let loan.

  • Did you know there are no exit fees and that we’ll return your client’s commitment fee upon the loan draw down?
Market Financial Solutions MFS buy to let calculator

Just five simple steps away from your interest only buy-to-let mortgage

short-term buy-to-let mortgage

Step 1: Loan Enquiry & Indicative Terms

Enquire your way – phone, email, online. The underwriter will require a few details before providing an indicative tier, rate & loan size. We have various tools to make Interest Cover Ratio (ICR) fit!

  • We respond in under 4 hours

interest only buy-to-let mortgage

Step 2: Underwrite & Issue DIP

Like what you see? We require a small number of docs to finalise the underwrite. We then issue ‘credit approved terms’ in the form of a Decision in Principle (DIP), verified by our Credit Committee to ensure a yes means yes.

  • DIP issued usually less than 24 hours

interest only buy-to-let mortgage

Step 3: Valuation

DIP signed, valuation & admin fee paid? Time to value the property. Our underwriters agree the best terms/timescales from our panel for the type of property. The valuation verifies the security details on which the DIP is based.

  • Instructed usually less than 24 hours of fees being cleared

short-term mortgage for buy-to-let

Step 4: Legal Documentation

Time for the solicitors to do their thing, issuing contracts, and progressing the case towards completion. We use our trusted panel to ensure that we complete on time. You are included in all steps of the process.

  • We instruct quickly and only use Firms we know

interest only buy-to-let mortgage

Step 5: Loan Drawn Down

Great, the loan is ready to go and be put into use.

  • Depending on the circumstances, this can be in as little as a week from Enquiry

We value your feedback

Leave us a review:
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Contact Us

Speak to one of our underwiters or BDMs on the phone, via chat or email about your case, however complex it might be. We will try our best to say yes to you, instead of finding a reason to say no.

Chat to our Buy-To-Let Team:

Chat to our Business Development Managers:

but-to-let mortgage
Market Financial Solutions MFS CheckMyFile Logo

For an accurate Decision in Principle (DIP), our underwriters require a credit report from the applicants. This helps us allocate a tier, get applications through Credit Committee quickly, and speedily issue credit-approved terms. This makes life easier and quicker for the client and for us. Our preference is Checkmyfile, the only multi-bureau report that combines data from Equifax, Experian, TransUnion and Crediva.

You can try it free for 30 days, then it’s £14.99 a month – cancel online anytime.

Interest Only Buy-To-Let Mortgage

All you need to know:

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Meet our Associations

Market Financial Solutions MFS Associations NACFB
Market Financial Solutions MFS Associations FIBA
Market Financial Solutions MFS Associations ASTL
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