SPV Buy-to-Let Mortgage


tracker & fixed

Term Length:

3 years

Loan amount:

£150k – £10m


up to 75%

SPV Mortgages for Buy-to-Let Property

Our SPV Buy-to-Let mortgage is designed to support property investors looking to expand their rental portfolios. We can SPVs with up to 4 directors, who combined, own at least 75% of the SPV between them. Just as is the case with all our Buy-to-Let mortgage variations, SPV mortgages are assessed on individual merits.

We’ll consider your background and that of your business setup when reviewing your enquiry or application. What’s more, we’re able to adapt to any business complications that may arise. Your claim will not be hindered by overseas income, credit impairment, or offshore trusts etc.

residential buy to let bridging loans

SPV buy-to-let mortgage criteria & requirements

  • SPV Buy-to-Let mortgages designed with the wider financial world in mind. Loans of up to £3m available for single properties, or £10m for portfolio or professional landlords
  • SPV mortgages that can be processed just as quickly as our “regular” Buy-to-Let mortgages, with funding possibly being deliverable in mere weeks
  • A Special Purpose Vehicle Buy-to-Let product offering bridging-like speed and flexibility. You’ll be assigned an underwriter from day 1 who will support you throughout the process
  • Funding available to property investors from anywhere in the world, with the exception of sanctioned countries
  • Our SPV Buy-to-Let mortgages can be used for a range of property types across mainland England and Wales. This includes residential homes, new builds, flats above commercial properties, holiday lets and more
  • We have a number of affordability and payment tools at our disposal to aid your SPV mortgage requirements. For example, you may be able to utilise rolled-up interest plans, deferred interest, or top-slicing to progress your investment
  • SPV mortgages that provide optionality on multiple fronts. Our term length of 3 years offer the possibility of exiting earlier, while remortgaging onto other bespoke MFS products is an option for those planning for the long-term
  • A useful tailored product for property investors looking to share ownership in property and divide the proceeds or revenues effectively
  • SPV Buy-to-Let mortgages available for brokers and direct borrowers alike

Buy-to-Let Mortgage Calculator

Calculate how much you can borrow in seconds. Try our SPV buy-to-let mortgage calculator, add some basic information about your deal and find out how much you can borrow and what you need to pay back. Email the quote to yourself or your client for reference.

5 simple steps away from your SPV mortgage

short-term buy-to-let mortgage

Step 1: Loan Enquiry & Indicative Terms

SPV Buy-to-Let mortgage applications start in the same way as all our specialist products do. You’ll need to send through an initial enquiry, which can be done over the phone, via email, or online. One of our dedicated underwriters will be in touch within 4 hours to attain a few details on your background and investment. We’ll then be able to provide an indicative tier, rate and loan size.

interest only buy-to-let mortgage

Step 2: Underwrite & Issue DIP

If you’re happy to progress, the underwriter will guide you on what initial documents are needed to move to the next stage. You’ll be issued with credit approved terms via a Decision in Principle (DIP). Our DIPs are verified by our internal Credit Committee and are usually issued within 24 hours.

interest only buy-to-let mortgage

Step 3: Valuation

Once you sign the DIP, and the initial fees are paid, we can get the property (or properties) valued. Your assigned underwriter will organise this, working with our internal panel of valuers to agree the best terms and timescales for your case. This valuation will verify the details on which the DIP is based. Usually, all of this is instructed within 24 hours of the fees being cleared.

short-term mortgage for buy-to-let

Step 4: Legal Documentation

Using only legal experts we know and trust, we’ll then instruct the solicitors involved to commence their due diligence. Throughout the process, you’ll be kept in the loop, and we’ll move to wrap up the legal steps as quickly as possible.

interest only buy-to-let mortgage

Step 5: Loan Drawn Down

Once everything comes together in the final stages, we’ll deliver the funding, which could be with you as early as a week from your initial enquiry. You will then be able to take the capital and put it to its intended use.

Contact Us Buy To Let

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:

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SPV Buy-To-Let Mortgage

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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