Why Use Residential Buy-to-Let Mortgages

Residential buy-to-let (BTL) mortgages are the foundation of long-term property investing. Whether you're purchasing your first rental, refinancing for better rates, or scaling your portfolio, BTL mortgages provide stable, sustainable finance designed specifically for landlords.

A residential buy-to-let mortgage is ideal when:

✅ You want to purchase a property to rent out
✅ You’re refinancing to release equity for your next investment
✅ You’re switching from a bridge, refurb loan, or development exit
✅ You want better cashflow through interest-only mortgage options
✅ You're buying through an LTD company or SPV
✅ You’re focused on long-term rental income and capital growth

At The Funding Group, we specialise in helping new and experienced landlords secure competitive, tailored BTL mortgages — with expert guidance throughout the entire process.

Common Residential Buy-to-Let Mortgage Use Cases

We help landlords, investors, and portfolio owners secure the right BTL mortgage for:

🏡 Single Lets – standard residential rental properties
🏘️ HMOs – higher-yield properties requiring specialist lenders
🏢 MUFBs – multi-unit freehold blocks up to 20+ units
🔁 Refinancing – secure lower rates or release equity for future purchases
📈 Portfolio Growth – add additional properties using structured finance
⚡ Bridge-to-Let Exits – refinance after refurbishment, uplift or auction purchase
🏦 Incorporations – move your portfolio into an SPV with specialist tax guidance

Every BTL mortgage is different — so we tailor the lender, product, and structure to your rental strategy and long-term goals.

How We Work

At The Funding Group, we make the BTL mortgage process smooth, efficient, and stress-free from start to finish.

📞 Initial Chat (Same Day)
We review your goals, rental strategy, experience level, and property details to confirm affordability and lender fit.

📄 Indicative Terms Within 24 Hours
We compare lenders based on rates, rental stress tests, property type, and your long-term investment plan.

🏠 Valuation & Underwriting
We coordinate with valuers and underwriters, ensuring documents are prepared correctly and the process moves quickly.

💷 Fast, Hassle-Free Completion
Most buy-to-let mortgages complete within 4–6 weeks — and we handle everything along the way.

We don’t just source a mortgage — we act as your long-term property finance partner, ensuring every deal is structured properly.

Why Investors Choose The Funding Group

We help landlords:

💰 Secure competitive BTL rates
🏘️ Fund single lets, HMOs, MUFBs, and specialist properties
📈 Build long-term rental strategies with the right finance structure
🧱 Exit bridging and refurbishment loans quickly and smoothly
📊 Optimise affordability with specialist lenders using real-world rental calculations
⚡ Move fast when opportunities arise

Our team ensures your mortgage supports both your cashflow and your long-term investment goals.

Looking for a Buy-to-Let Mortgage? Get Expert Support, Start to Finish

We’re here to help you secure the right BTL finance — with clarity, speed, and confidence.

✅ Fast decisions
✅ Honest advice
✅ Expert investor-focused support

👉 Get a same-day quote or call 08000 699 500

Residential Buy-to-Let Mortgage FAQs – Answered

How much can I borrow?
Most lenders offer up to 75–85% LTV, depending on rental income and property type.

Do I need to own a property already?
Not always — some lenders accept first-time landlords.

Can I buy using a limited company (SPV)?
Yes — many investors now use SPVs for tax efficiency. We help set this up.

What interest rates are available?
Rates start from around 3% depending on product type, credit profile, and rental coverage.

Can I use a bridge and then refinance onto a BTL mortgage?
Absolutely — this is common for refurbishments, auction purchases, and BRRR strategies.