BTL Mortgages
Buy-to-let mortgages are designed for landlords looking to generate income from rental properties. Whether you’re a first-time landlord or an experienced investor expanding through a limited company, our tailored BTL solutions provide flexible finance built around your portfolio goals.
With options for personal or corporate ownership, these mortgages offer a strategic path to sustainable rental income and long-term growth.
Whether you’re investing personally or through a limited company, we help structure the finance to suit your strategy. Choose between interest-only or capital repayment, and borrow up to 75% of the property’s value based on projected rental income, not personal earnings.
We tailor repayment structures to your cash flow and long-term plans, supporting everything from a first buy-to-let to portfolio scale-ups.
Navigating the buy-to-let market requires insight and precision. At Ascend Commercial Finance, we offer expert guidance on structuring BTL finance for maximum benefit, whether for individual landlords or special purpose vehicles.
We help you assess the tax implications, choose the right vehicle, and secure the most competitive rates from trusted lenders.
BTL mortgages should support your investment lifecycle, not restrict it. That’s why we ensure you have exit strategies that suit your trajectory, including refinancing, restructuring, or planned disposals.
With tailored lending, market-leading terms, and dedicated advice, Ascend helps you invest with confidence and clarity.
FAQs
Individual BTL is purchased personally, with taxation on rental income. Limited company BTL is owned via a business structure, potentially offering tax efficiencies on income and profit.
Most lenders require a minimum deposit of 25% for buy-to-let mortgages. However, deposits may vary based on risk and property type, and can be as little as 20% in some instances.
Unlike residential mortgages, affordability for BTL loans is based on expected rental income, ensuring the property generates sufficient revenue to cover repayments. However, many lenders typically require the main applicant to earn at least £15-25,000 personally to qualify.
Yes, you can get a BTL mortgage on leasehold properties. However, the length of the remaining lease can impact approval rates e.g. properties with a lease under 80 years will limit the available lenders.
Contact
- 1 Knight House, 140-142 High Street, Penge, London, SE20 7EU
- 0208 078 4277
- info@ascend-cf.co.uk
Brochures
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all of the services offer.
Other Funding Options
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