We can offer standard buy-to-lets through to new builds, HMOs, multi-lets, student lets, large blocks and large mixed portfolios. Our extensive lender panel will also consider anything unusual!

In a market place that has experienced a raft of changes in recent times, especially in relation to portfolio landlords, we see a larger amount of clients falling into the specialist Buy to Let mortgage category. We work with a number of lenders, who offer a wide range of products to help you provide the flexibility and competitive solutions that your landlord clients require.

Crystal can also help with bridging finance which is useful for refurb of and/or conversion into investment properties.

Whatever the scenario, Crystal Specialist Finance works with you to bring solutions to your clients.


  • DWP lets
  • Student let properties
  • Mixed portfolios
  • Inherited properties
  • Properties in need of work
  • Ex-local authority properties
  • New builds
  • Expats
  • HMOs
  • Live/work units
  • Limited companies
  • Flats above shops and fast food outlets
  • First-time buyers/first-time landlords
  • Properties owned for less than 6 months
  • Transfers from personal to limited company


  • LTV up to 85%
  • First-time to experienced landlords
  • Limited company transactions
  • Expats / Foreign nationals
  • New builds, HMOs, mixed portfolios
  • DSS / Students lets
  • No upper limit

"We look outside of the constraints of the mainstream lenders decision process for specialist mortgages that can accommodate your clients’ situation."

Richard Bond – Head of Residential Finance


Expat Buy to Let

EXPAT WANTED TO PURCHASE A PROPERTY FOR BTL IN THE UK We were approached by a new build broker, looking to place a case for an ExPat client. The client was a teacher in Australia, had been there for a number of years, and wanted to take advantage of an opportunity in the midlands. They...

Overseas National’s Buy-to-Let Portfolio

A LARGE PORTFOLIO WITH A COMPLICATED OVERSEAS STRUCTURE The case was for a BVI registered limited company with 3 directors based in Singapore looking to remortgage a £5m portfolio to redeem the various existing lenders, but also to release capital to purchase additional property. Added to the complexity was the need to topslice rental income...


COMPLETING A PRECISE 'BRIDGE'-TO-LET IN JUST 17 DAYS Crystal Specialist Finance recently finalised a Precise Mortgages’ Bridge-to-Let product case, completing the application from start-to-finish in just 17 working days. The product is designed to help landlords maximise rental yields by refurbishing the target property before they rent it out, bringing together the flexibility of bridging...