Buy to Let Mortgages

Personal Buy-to-Let:
Investing as an Individual

If you're purchasing a rental property in your personal name, you’ll need a standard Buy-to-Let mortgage. These loans typically require higher deposits than residential mortgages, stress-tested affordability checks, and rental income assessments.

We guide you through lender criteria, ensuring you secure a competitive deal suited to your financial goals. Whether you’re letting out a single property or expanding your portfolio, we help structure your mortgage effectively.

Red brick residential buildings with white window trims and black balconies, under a cloudy sky.

Limited Company Buy-to-Let:
Tax-Efficient Property Investment

More landlords are opting to invest through a Limited Company (SPV – Special Purpose Vehicle) due to potential tax benefits and long-term financial efficiencies.

Limited Company Buy-to-Let mortgages operate differently from personal ones, they can provide advantages such as:

  • Tax-efficiency, as corporate structures may benefit from lower tax rates on profits

  • Limited liability, separating personal finances from investment holdings

  • Greater flexibility when building a property portfolio

With our expertise, we help landlords assess whether this structure aligns with their investment goals and find lenders who offer competitive options in this space.

A brick building exterior with a white garage door, a black bicycle with a wire basket, a white picnic table, potted plants, and green foliage.

Let-to-Buy Mortgages:
Transitioning from Residential to Rental

Let-to-Buy mortgages allow homeowners to retain their current home as a rental property while purchasing a new residential home. This can be an ideal solution for:

  • Homeowners who want to move without selling their current property

  • Those looking to generate rental income from a second property

We simplify this process by navigating lender requirements, stress-tested affordability calculations, and eligibility criteria for Let-to-Buy financing.

Brick house with ivy-covered entrance, lush garden, and a cobblestone driveway, sign reads 'Highgate House'

Portfolio Landlords:
Managing Multiple Properties

If you have four or more mortgaged rental properties, lenders classify you as a Portfolio Landlord, requiring more detailed financial assessments. Managing multiple properties requires specialist expertise, with considerations such as:

  • Lender portfolio stress tests

  • Income diversification across multiple properties

  • Tailored financing solutions, including portfolio loans

We work closely with lenders who understand portfolio investments, helping you secure financing that supports long-term growth and sustainability.

Colorful row house with brick facade, pink front door with a wreath, white window frames, and potted plants outside. A small black iron fence surrounds the sidewalk.

Get In Touch

Investing in property can be a powerful way to build wealth, whether you're purchasing your first buy-to-let or managing a growing portfolio. At MSP Financial Solutions, we provide expert advice to help landlords secure the right financing for their investment strategy.

Whether you're buying as an individual, through a company, or transitioning from a residential property, we offer tailored solutions to meet your needs.

At MSP Financial Solutions, we specialise in helping landlords secure the right mortgages. With access to a wide range of lenders, we provide expert guidance to help you make informed decisions and maximise your investment potential.

What our clients have to say

  • Donny from MSP was superb at helping me.

    Donny from MSP was superb at helping me get my initial mortgage as a first time buyer. He spent time guiding me through the process and answering all of my questions.

    When it came time to remortgage I knew I was in safe hands with Donny. He helped explain all the range of different options available and their respective pros and cons. Most importantly though, he helped me to lock in the best rate a few months prior to my remortgage date. With subsequent market movements it was great to have piece of mind that we had locked in early.

    I would have no hesitation in using Donny and MSP Financial again! Thanks again Donny!

  • I’ve always been impressed

    Chris Sykes at MSP Financial has handled all my mortgages over the years, and I’ve always been impressed by his professionalism and attention to detail. He doesn’t just find a deal and leave it there, he keeps an eye on things and always lets me know if there’s a rate drop or a better option available. Where other brokers might miss those opportunities, Chris makes sure I never do. He’s clear, thorough, and genuinely has your best interests at heart. Absolutely worth the fee for the level of service and peace of mind he provides.