Buy to let finance
for property investors
We help landlords and investors access buy to let finance by introducing them to professionally accredited specialists who understand investment property and portfolio lending.
What is buy to let finance?
Buy to let finance is used to purchase or refinance property intended for rental income. It is typically arranged as a mortgage or specialist lending product based on rental yield, property type, and investor profile. Unlike residential finance, buy to let lending is assessed primarily on the property's income potential and the structure of the deal.
Who buy to let finance is suited to
Whether you are buying your first rental or growing an established portfolio, the right structure matters.
First-time buy to let investors
Experienced landlords
Portfolio landlords
Limited company and SPV investors
Investors refinancing existing rental property
First-time buy to let investors
Experienced landlords
Portfolio landlords
Limited company and SPV investors
Investors refinancing existing rental property
Common buy to let scenarios
Purchasing a single rental property
Refinancing to release equity
Portfolio refinancing
Switching from residential to buy to let
Purchasing through a limited company
How Provide Finance helps
We act as an introducer, not a lender or advisor. We review your enquiry and introduce you to accredited finance specialists who understand buy to let lending, portfolio structures, and investment property. This saves time and ensures you speak to the right people from the start.
Correct routing based on your deal
Access to specialist buy to let advisors
No obligation to proceed
Clear, straightforward process
How it works
Tell us about your deal
Answer a few quick questions so we understand what you are looking to achieve.
We review and match
Your enquiry is reviewed and matched with a suitable buy to let finance specialist.
Speak to an accredited specialist
An accredited specialist contacts you to discuss options and next steps.
Frequently Asked Questions
Common questions about this type of property finance.
What is the minimum deposit for a buy to let mortgage?+
Most buy to let lenders require a minimum deposit of 25% of the property value. Some specialist lenders accessible through Provide Finance offer products from 20% deposit for experienced landlords with strong rental yields.
Can I get a buy to let mortgage through a limited company?+
Yes. SPV (Special Purpose Vehicle) limited company buy to let mortgages are available from many specialist lenders. This structure can offer tax advantages, particularly for higher-rate taxpayers. Provide Finance can introduce you to advisors experienced in SPV lending.
How is buy to let affordability assessed?+
Buy to let mortgage affordability is primarily assessed on the rental income the property generates, not your personal income. Most lenders require the rental income to cover 125-145% of the mortgage payments at a stress-tested interest rate.
Can I get a buy to let mortgage as a first-time buyer?+
Some specialist lenders do offer buy to let mortgages to first-time buyers, though the criteria may be stricter and deposit requirements higher. Provide Finance can introduce you to advisors who work with lenders offering these products.
What types of property are eligible for buy to let finance?+
Standard residential properties, flats, houses, and some non-standard construction types are eligible. Properties above commercial premises, ex-local authority flats, and new builds may require specialist lenders. Each case is assessed individually.
How long does the buy to let mortgage process take?+
A typical buy to let mortgage application takes 4-8 weeks from application to completion. Bridging finance can be arranged faster if speed is critical. Provide Finance helps by routing your enquiry to the right specialist from the start.
Explore other
finance options.
Explore specialist finance options structured around your property strategy.
Ready to explore buy to let finance?
Tell us about your property and we will connect you with the right specialist.