Buy-to-Let Mortgages

Lending for rental property, for individual landlords and limited company structures alike.

Buy-to-Let Mortgages

Lending for rental property, personally or through a company

Since tax changes to mortgage interest relief, limited company ownership has become common. We arrange lending under either structure and will recommend you take specific tax advice before deciding.

We Structure

Why Buy-to-Let Mortgages Requires the Right Lender

What we arrange

  • Individual and limited company buy-to-let lending
  • Portfolio landlord facilities
  • Houses in multiple occupation and multi-unit blocks
  • Holiday let and short-term let mortgages

Who this is for

  • First-time and experienced landlords
  • Investors purchasing through a limited company
  • Portfolio landlords refinancing or expanding

How London FS helps

Since tax changes to mortgage interest relief, limited company ownership has become common. We arrange lending under either structure and will recommend you take specific tax advice before deciding.

Important information

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.

Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

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Company or Personal Compared

We arrange either and work alongside your accountant on the tax position.

Key person

Portfolio Landlord Lending

Lenders who specialise in larger portfolios rather than capping them.

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HMO and Multi-Unit

Property types many mainstream buy-to-let lenders will not touch.

Why Choose Us

Why Buy-to-Let Mortgages with London FS?

Buy-to-Let Mortgages requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.

Since tax changes to mortgage interest relief, limited company ownership has become common. We arrange lending under either structure and will recommend you take specific tax advice before deciding.

Timeline

Rental Cover Optimised

Stress-test assumptions vary by lender and materially affect borrowing.

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Holiday and Short-Term Lets

A growing area with a distinct and selective lender group.

Target

Tax Advice Signposted

We do not advise on tax. We make sure you take advice before deciding.

Our Clients

Who Benefits from Buy-to-Let Mortgages

First-Time and Experienced Landlords

Limited Company Investors

Portfolio Landlords

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Build the Portfolio the Right Way

Lending for rental property, for individual landlords and limited company structures alike.

Our Services

Related Mortgages Services

Our Mortgages services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.

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Latest Financial News & Blogs

FAQ

Frequently Asked Questions on Buy-to-Let Mortgages

Is a company structure better?

It depends entirely on your tax position. We work alongside your accountant rather than advising on tax ourselves.

Primarily on rental cover, typically 125–145% of the mortgage payment at a stressed rate.

Some lenders cap portfolio size; others specialise in larger portfolios.

It depends entirely on your tax position. We arrange either and work alongside your accountant.

On rental cover, typically 125-145% of the payment at a stressed rate.

Usually 25%, with better pricing from 35-40%.

That is a regulated buy-to-let and requires a specific and narrower lender group.

Yes. They use projected seasonal income and a distinct set of lenders.

Some lenders cap portfolios at three or ten; others specialise in much larger portfolios.