Finance for Landlords & Investors
Buy-to-Let Mortgages
Specialist unregulated buy-to-let mortgages for landlords and property investors. Whether you're buying your first rental or expanding a portfolio, we find the right mortgage for your investment strategy.
Helping Professional Landlords Grow Their Portfolios
The days of the ‘accidental landlord’ are over. Following the phased removal of mortgage interest tax relief (Section 24), stricter EPC regulations, and fluctuating base rates, the buy-to-let landscape has fundamentally shifted. Investing in property is no longer a passive hobby; it requires the strategic mindset of a business owner.
Despite these regulatory headwinds, the UK suffers from a chronic shortage of rental housing, meaning tenant demand and rental yields remain exceptionally strong for those who structure their portfolios correctly. Today, success in the BTL market relies heavily on optimising your debt and tax position — most notably through the use of Special Purpose Vehicle (SPV) Limited Companies.
At Aegis Finance, we help guide our clients through a range of BTL solutions, providing tailored advice based on each client’s situation. We specialise in complex BTL cases that high street banks struggle with.
BTL Scenarios We Handle
First-Time Landlords
Step-by-step guidance for those purchasing their very first investment property or ‘accidental’ landlords.
Portfolio Expansion
Strategic funding to help established investors leverage existing equity and grow their property empires.
Limited Company Purchases
Mortgages tailored for purchasing property through a business to optimise personal tax liabilities.
SPV Structures
Specialist lending for Special Purpose Vehicles, often preferred by lenders for clean property accounting.
HMO & Multi-Unit
High-yield financing for Houses in Multiple Occupation or multiple flats under one freehold title.
Holiday Lets
Short-term rental mortgages for Airbnb-style properties in high-demand UK tourism and coastal hotspots.
Expat & Foreign National
Bespoke lending solutions for UK citizens living abroad or non-residents investing in UK property.
Self-Employed Landlords
Flexible underwriting that understands complex accounts, dividends, and non-traditional income for entrepreneurs.
Complex Income
Mortgages for investors with multiple income streams, bonuses, or significant private pension wealth.
Remortgage & Product Transfer
Securing better rates or releasing equity from your current portfolio as your fixed-term ends.
Buy-to-Let Mortgage Terms
BTL rates and criteria vary significantly between lenders. We search across our panel to find the best terms for your specific situation.
Typical Terms
At a Glance- Loan Amount
- £50,000 - £10m+
- LTV
- Up to 80%
- Term
- 5 - 40 years
- Interest Rates
- From 4.5%
- ICR Requirement
- 125% - 145%
- Property Types
- BTL, HMO, MUB
Why Partner With Us
Tax-Efficient Structuring
Access to lenders who support borrowing through Limited Companies (SPVs), a structure many landlords use to help optimise their personal tax position. Always consult a tax adviser before deciding on the right structure for you.
Stress Test Navigation
We identify lenders with lower Interest Cover Ratio (ICR) requirements to maximise your borrowing.
Portfolio Stress-Testing
Comprehensive reviews to ensure your entire property portfolio remains profitable under current interest rates.
Bespoke HMO Expertise
Access to specialist lenders who understand high-yield, complex licensing, and multi-unit freehold blocks.
Holistic Income Assessment
We use ‘top-slicing’ to bridge rental shortfalls using your personal surplus earned income.
Rapid Market Intel
We use real-time data to secure funding before lenders withdraw their most competitive products.
Frequently Asked Questions
Find answers to common questions about our services.
Ready to Discuss Your Finance Needs?
Whether you need bridging finance for a quick purchase, development funding for your next project, or business finance to fuel growth, we're here to help.
No obligation consultation. Whole of market access. Expert guidance.