Buy-to-Let Mortgages
Lending for rental property, for individual landlords and limited company structures alike.
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.
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.

Company or Personal Compared
We arrange either and work alongside your accountant on the tax position.

Portfolio Landlord Lending
Lenders who specialise in larger portfolios rather than capping them.

HMO and Multi-Unit
Property types many mainstream buy-to-let lenders will not touch.
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.

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

Holiday and Short-Term Lets
A growing area with a distinct and selective lender group.

Tax Advice Signposted
We do not advise on tax. We make sure you take advice before deciding.
Who Benefits from Buy-to-Let Mortgages
First-Time and Experienced Landlords
Limited Company Investors
Portfolio Landlords
I would highly recommend Amar Dhanota as a mortgage broker to anyone looking to purchase a property. Amar helped me through the process of buying my flat and was absolutely brilliant from start to finish.
What stood out most was her dedication — she stayed on my case for as long as it took, tirelessly searching to find the best possible deal for me. She never made me feel rushed or like just another client. Instead, she gave my situation the time and attention it deserved.
If you’re looking for a mortgage broker who genuinely goes the extra mile and puts your best interests first, look no further than Amar. I can’t thank her enough!
I cannot recommend Amar highly enough. From start to finish she has been an absolute star — always available on the phone, patient, calm and reassuring no matter how many questions I had. Her knowledge and guidance made a stressful process so much easier, and nothing was ever too big an ask.
What really stood out is how Amar went above and beyond her remit. Even once her part of the process was technically complete, she continued to check in, support me and smooth out other areas that weren’t even her responsibility. That level of care and dedication is rare and invaluable.
Thanks to Amar, what could have been overwhelming felt manageable and clear. I would recommend her without hesitation to anyone looking for a broker who genuinely has your back throughout the journey.
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Great Service from Amar and Anita. From Day 1 to completion very clear, and efficent in timing
Quick responses and regular updates. Couldn’t be more thankful as they helped me complete within no time. Also great resources for legal and other solutions if required
Amar, from London Finances Solutions has just helped me a second time with arranging my mortgage and was just as efficient as the first. She makes things as clear and easy as possible, always quick at responding to any questions and is very quick at finding the best deal to fit my needs and generally makes the whole process very smooth. I would highly recommend to anyone seeking mortgage advice and will certainly be returning in the future.
Want to thanks Amar (and LFS) for excellent service. He is master in his trade. He not only helped me through end to end journey of Mortgage but also have provided his valuable suggestion on aligned aspect in my house buying journey. Benefit of clients is always at centre of his heart. Although I have completed my purchase but think this good service relationship will go long way.
Thanks Amar for great help!
Excellent service from LFS – specifically Amar. As first time buyers, there where a lot of nerves and uncertainty – but this was all taken care of by Amar. She guided us along every step of the way and ensured that our application went through as smoothly as possible and in a timely manner.
What stood out was – nothing was ever ‘too much’ of a problem for Amar – rather it was ‘lets see how I can help’. Buying your first house can be really stressful but now we’re in , we’re looking back and thinking we couldn’t have done it without the support and professionalism from LFS.
Would highly recommend LFS to anyone. Thank you to the entire team.
I would highly recommend Amar at London Finance Solutions. Amar was so helpful and friendly in directing us through our mortgage and life insurance application. Amar was highly professional from start to finish and always got back to us straight away with any concern that we might have. Thanks Amar!
Build the Portfolio the Right Way
Lending for rental property, for individual landlords and limited company structures alike.
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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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.
How is affordability assessed?
Primarily on rental cover, typically 125–145% of the mortgage payment at a stressed rate.
How many properties can I hold?
Some lenders cap portfolio size; others specialise in larger portfolios.
Should I buy personally or through a company?
It depends entirely on your tax position. We arrange either and work alongside your accountant.
How is affordability assessed?
On rental cover, typically 125-145% of the payment at a stressed rate.
What deposit is needed?
Usually 25%, with better pricing from 35-40%.
Can I let to family?
That is a regulated buy-to-let and requires a specific and narrower lender group.
Are holiday lets treated differently?
Yes. They use projected seasonal income and a distinct set of lenders.
How many properties can I own?
Some lenders cap portfolios at three or ten; others specialise in much larger portfolios.
More Mortgages Services
Every facility we arrange within Mortgages.