Property finance

Buy-to-let mortgage

From £25,000, terms up to 30 years, up to 80% LTV. Rates from 3.75% (subject to status). Variable, fixed or interest-only. Open to individuals, sole traders, partnerships and limited companies — landlord experience not always required.

Apply for Buy-to-let mortgageLearn moreOn qedfinance.com
Range
From £25,000
Term
Up to 30 years
Family
property
Search
Full market, one file

At a glance

  • From £25,000
  • Up to 30 years
  • Up to 80% LTV
  • Personal or limited company

How it works

  1. 1A mortgage to purchase or refinance a property you intend to let.
  2. 2From £25,000, terms up to 30 years, up to 80% LTV. Illustrative rates from 3.75% (subject to status).
  3. 3Variable, fixed or interest-only. Open to individuals, sole traders, partnerships and limited companies.
  4. 4If rental income covers the mortgage, many lenders skip a full affordability assessment of day-job income.

Who it’s for

  • First-time landlords as well as portfolio landlords — experience is not always required
  • Limited-company (SPV) and personal applications
  • Conversions of an owned or inherited property to a let, and some semi-commercial units

Good to know

Deposits are typically larger than a residential owner-occupier mortgage.

You will need rental projections or existing tenancy evidence.

One application with QED searches the full market. That saves you running the same file around several lenders, and it avoids multiple credit searches on the business and directors. A hard search is only placed when you proceed with a chosen lender.

Documents QED will ask for

Same list as the attach-files section on the website application. Tick what you have when you apply; email the rest.

  • Last published accounts (full accounts, not abbreviated)
  • Latest management accounts if year-end is stale
  • Last 3–6 months’ bank statements
  • Property address, tenure and (if held) a valuation
  • Purchase contract or memorandum of sale (purchase)
  • Existing mortgage statement (remortgage / refinance)
  • Rental schedule or projections (buy-to-let)
  • Planning decision notice and development appraisal (development)
  • Clear exit route note (bridging)

FAQ

Drawn from qedfinance.com and the way the UK market actually underwrites these facilities.

Do I need landlord experience?

Many lenders will consider first-time landlords. Others want a track record. QED will place the file accordingly.

Personal or limited company?

Both are common. Company (SPV) borrowing can suit portfolio landlords; personal can be simpler for a first property. Tax advice sits with your accountant.

What is a buy-to-let mortgage?

A mortgage to purchase or refinance a property you intend to let. It is how most UK landlords fund a rental investment.

Who can apply?

Private individuals, sole traders, partnerships and limited companies. Previous landlord experience is not always required.

How does it differ from a residential mortgage?

Loan amount, deposit size and affordability. BTL typically wants a larger deposit and uses rental income (often stressed) rather than only day-job income.

How much can I borrow?

Typically up to 80% of market value, from just over £25,000. Terms up to 30 years. Illustrative rates from 3.75% (subject to status) — variable, fixed or interest-only.

Is rental income considered?

Yes. If rent covers the mortgage on the lender’s stressed test, many houses skip a full affordability assessment of employment income.

Can I get BTL with no landlord experience?

Many lenders will consider first-time landlords. Others want a track record. QED places the file accordingly.

What can I use it for?

Buying a residential let, converting an owned or inherited property to a let, refurbishing a rental, investment finance, and some semi-commercial units intended for letting.

How do I apply?

Financial documents, rental proof or projections, and any landlord experience. Start the BTL application in this app, or request a quote on qedfinance.com.

How fast can funds land?

Bridging can complete in days once security is in place. Commercial mortgages and development facilities take longer because of valuation, legal work and (for development) drawdown monitoring.

Do I need a track record?

Some lenders insist on experience; others will fund a first scheme if the team (agent, architect, builder) is strong and planning is in place.

Prefer a number first?

Model an illustrative structure, email yourself a copy, then apply if it looks right.

Open the calculator

QED is a broker, not a lender. A low credit score can limit options with some houses; a search with us does not place a hard search on the business or directors until you proceed with a chosen lender.