Buy to Let
Long Term Finance for Property Investors and Landlords
Typical Loan Terms:
Feature:
Typical Range:
Loan Size:
£75,000 – £10 million+
Term Length:
2 – 30 years
Loan-to-Value (LTV):
Up to 80 % (subject to lender)
Interest Rates:
From 5.50 % p.a. (product dependent)
Property Types:
Single lets, HMOs, blocks, mixed use, semi-commercial
Applicants:
Individuals, companies, SPVs, partnerships
Expert mortgage advice for landlords, investors, and limited companies. Grow your property portfolio with confidence.
At Springboard Funding, we arrange unregulated buy to let and investment mortgages for landlords, limited companies, and SPVs purchasing or refinancing income producing property. We source whole of market solutions from specialist lenders to deliver flexible terms, competitive rates, and fast decisions for investors expanding their portfolios or refinancing after development.
What Is Buy to Let / Investment Finance?
Buy to let (BTL) or investment finance is a longer term loan secured on a rental or investment property.
Unlike consumer mortgages, these loans are structured for business and investment purposes, not for owner occupied homes making them unregulated products.
Used for:
Switching from bridging or exit finance into long term funding
Purchasing or refinancing rental portfolios
Refinancing after development or refurbishment
Raising capital for future projects
Why Choose Springboard Funding?
Whole of market lender access: banks, specialists, and private funders.
Company structures supported: SPVs, LLPs, and portfolio investors.Complex cases welcomed adverse credit or non standard property types.
Refinance specialists: move seamlessly from bridge or development loans.
Tax efficient structuring: introductions to lenders comfortable with corporate vehicles.
Ideal For:
Portfolio landlords seeking better terms or leverage.
Developers refinancing completed projects into BTL.
Investors purchasing blocks, HMOs, or semi commercial units.
Refinancing short term or exit loans into term products.
Case Studies
Portfolio Refinance & Capital Raise
Wareham, Dorset
Loan Amount: £765,000
LTV: 75%
Term: 5 years
Rate Type: Fixed
Security: 1st
Overview: A small investment property company owned three buy to let flats in Wareham, Dorset. Their existing fixed term BTL mortgages were approaching maturity. The client wanted to refinance the portfolio, secure competitive rates, and release equity to grow their business.
Solution: We arranged new 5-year fixed rate buy to let mortgages at 75% LTV with a specialist BTL lender experienced in portfolio cases. By leveraging the uplift in property values, we consolidated the existing borrowing and unlocked additional capital under a streamlined, coordinated refinance process.
Outcome: The refinancing completed smoothly, securing £765,000 against the portfolio with a first legal charge. Thanks to increased property values and access to high LTV lending, the client successfully released sufficient capital to acquire an additional investment property expanding their portfolio and enhancing long-term rental income potential.
Frequently Asked Questions
We have compiled a list of frequently asked questions to help you find instant answers to your queries
Can you arrange limited company BTL mortgages?
Yes. We work with lenders specialising in SPV and company structures.
Can I refinance my bridging loan to a buy to let?
Absolutely. Many of our client’s transition from bridge to BTL once refurb or development is complete.
Do you work with expat or offshore investors?
Yes. Subject to lender criteria.
⚠️ Important Notice: We arrange unregulated bridging and development finance for property investors, companies, and developers. Our services are not regulated by the Financial Conduct Authority (FCA) and do not apply to owner occupied or consumer residential lending.