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.
