Whether you’re buying your first rental property or expanding a growing portfolio, you need more than just a good rate—you need a mortgage that’s built around your goals, your tax position, and your long-term strategy.
At Mortgage Knight, we specialise in buy-to-let mortgages for individuals, limited companies (SPVs), expats, and portfolio landlords. We take care of the details so you can focus on growing your investment.
A buy-to-let (BTL) mortgage is a loan secured against a property you intend to rent out, not live in. Unlike standard residential mortgages, BTL lending is primarily based on the rental income the property will generate, though your personal income, credit score, and property experience may also be considered.
We help:
| Feature | Details |
|---|---|
| Loan amount | £40,000 to £5 million+ |
| Deposit required | Usually 25%, sometimes lower |
| Affordability | Based on expected rental income, not your salary |
| Interest types | Fixed, tracker, or variable |
| Repayment options | Interest-only or capital & interest |
| Ownership types | Personal name or Limited Company (SPV) |
Many investors now buy property through Special Purpose Vehicles (SPVs)—limited companies set up purely to hold rental properties.
We’ll guide you on structure, lender options, and tax implications (alongside your accountant).
Status: James had a £75,000 deposit and wanted to buy a 2-bed flat in Nottingham to rent out. He had no landlord experience.
Solution: We secured a 75% LTV buy-to-let mortgage with a high-street lender open to new landlords.
Outcome: James secured his first investment property, generating £850/month in rent with a 5-year fixed rate.
Status: Nina held four properties in her own name but wanted to buy her next through an SPV for tax planning.
Solution: We helped structure the SPV and found a limited company BTL lender offering competitive rates with no experience penalty.
Outcome: She bought a 3-bed terrace using a £210,000 mortgage, interest-only, with future properties planned under the same company.
Status: Faisal lived in Dubai and wanted to invest in a UK BTL for passive income and long-term growth.
Solution: We placed him with an expat-friendly lender accepting foreign income, with full remote processing and local solicitor support.
Outcome: Faisal bought a Manchester flat with a £185,000 BTL mortgage at 65% LTV, with rent fully covering the loan.
A: Yes, some lenders accept first-time buyers or first-time landlords—though options may be limited, and you’ll need a strong deposit.
A: Typically 25%, though some lenders offer 20% or less with stricter criteria or higher rates.
A: Yes. Most BTL mortgages are interest-only, keeping monthly payments low and profits higher.
A: No. BTL mortgages are strictly for rental use. If you plan to live there, you’ll need a residential mortgage.
A: Absolutely. Many investors now use SPVs to hold property. We’ll help you structure it correctly and find the best lenders.
A: Usually:
We’ll walk you through every step.
The team made everything easy, even with my complicated income. I'd been turned away before, but not here.
