Buy to Let Mortgages

Guide your landlord clients through their next purchase with access to flexible criteria and competitive rates. From first-time landlords to more experienced portfolio investors, we can help place a case, no matter the complexity!
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No max lending limit
Up to 80% LTV
Flexible solutions
Buy To Let Calculator

Calculate minimum rent needed for your clients

Instant indication • No obligation • FCA regulated

Why Choose Our Buy to Let Mortgages?

All Property Types

From new build, HMOs/MUFBs, mixed portfolios & more

Up to 80% LTV

Competitive loan-to-value ratio for all property types

No Max Lending Limit

Covering small to larger scale BTL investments

All Applicants Considered

From first-time to experienced landlords

Buy to Let Scenarios

Whatever the scenario, we work with you to find the best solution for your clients. From first-time landlords to portfolio landlords, specialist buy to let mortgages can be used to support the most unusual cases.

See our buy to let mortgage case studies here.

HMOs/MUFBs

For your clients looking for a property to rent to multiple tenants or with multiple units

Flats above Shops

Suitable for your clients looking to diversify their portfolios

Transfers from a Personal to Limited Company

For clients looking to change their ownership structure

Inherited Properties

Securing finance for clients looking to rent out a property they currently live in e.g. consumer BTL

What Our Clients Say

"The team at Crystal are the best at getting the job done in the most efficient way possible."

Amal Finance

"Really positive outcome for my clients. Very happy with the speed of the transaction and the quality of service."

Lee Mynard

Lending Criteria at a Glance

Loan Amount
From £25,000+

Flexible loan sizes for all property types

LTV
Up to 80%

Competitive loan-to-value ratios

Term
From 5 years

Flexible terms and repayment options

Property Types
All accepted

HMOs, MUFBs, mixed portfolios and more

Speed
Quick decisions

From application to completion

Ready to Partner with Crystal?

Join our network of successful brokers and start completing your complex cases today.

Become a Partner Call Our New Business Advisers - 01827 337710

Buy to let FAQs

A buy to let mortgage is designed for a property that is being purchased or remortgaged for rental purposes rather than owner occupation. In many cases, the repayment is structured on an interest-only basis, although capital repayment options may also be available. For brokers, the difference from residential lending is that lender assessment often leans heavily on rental income, property type, ownership structure, and landlord profile.

Yes, first-time landlords can be considered, although lender appetite varies. Some lenders are comfortable with first-time landlords where the wider case is strong, while others prefer more experience. That is where specialist buy to let support can help, especially if the property type is more complex or the client does not fit a standard landlord profile. It is not simply a yes or no question. It is about matching the case to the right criteria.

Yes. These are exactly the kind of cases where specialist lender knowledge matters. HMOs, limited company structures, and mixed portfolios often sit outside standard buy to let criteria, particularly when there are multiple properties, layered ownership, or more complex underwriting requirements.

Yes, these cases can be considered, but lender criteria tend to be narrower and more detail-driven. Residency, income source, currency, property type, and the client’s background can all affect lender appetite. Expat and foreign national buy to let cases are often possible, but they usually need careful placement and a realistic view of documentation and timescales from the start.

Typical requirements usually include the loan amount, property value, expected or actual rental income, deposit or equity position, and details of the borrower or company structure. Lenders may also want to understand landlord experience, income position, existing portfolio exposure, and the property type.

Yes. Flats above shops, ex-local authority properties, and other less standard buy to let securities are often possible with the right lender. These types of properties tend to narrow the market, which is why a wider specialist panel can be useful. The strongest cases are the ones where the property is understood properly from the start, including how it is built, how it is used, and why the lender should still view it as acceptable security.