Buy-To-Let Mortgages

Interest options:

Roll & Defer

Term Length:

24 or 36 months

Loan-to-value:

up to 75%

Loan amount:

£150k – £3m

Introducing the Specialist Buy-To-Let Mortgage:

We launched our buy-to-let mortgage product to provide the market with the flexible buy-to-let finance it needs. We pride ourselves on our ability to look at complex circumstances and make them simple. We do this by employing a bespoke approach and expert underwriting to each and every case.

With 2 or 3-year terms and no tick box criteria, our buy-to-let mortgage can provide optionality and breathing space for initial purchase, future long-term financing or bridging loan exits.

Our product has four tiers which covers all kinds of borrower and their requirements.

Our flexible product can cover:

  • Fast bridge exit & capital raising
  • First timers to Portfolio Pro’s – up to £10m with MFS
  • The ‘Rentally Challenged’ – Boost loan sizes through deferred interest, rolled up/deferred months, and top slicing
  • Small or large Multi-Unit Freehold Blocks & Houses in Multiple Occupation, to flats above commercial
  • 24 or 36 month terms – optionality for investment strategies
  • Expats, foreign nationals, trusts or offshore companies
  • Holiday/Short term lets
  • Loans up to £3m
  • Impaired credit – tiny dinks to big bumps

Just five simple steps away from your buy-to-let front’s door

Step 1: Loan Enquiry & Indicative Terms

Step 1: Loan Enquiry & Indicative Terms

Enquire your way – phone, email, online. The underwriter will require a few details before providing an indicative tier, rate & loan size. We have various tools to make Interest Cover Ratio (ICR) fit!

  • We respond in under 4 hours

Step 2: Underwrite & issue DIP

Step 2: Underwrite & issue DIP

Like what you see? We require a small number of docs to finalise the underwrite. We then issue ‘credit approved terms’ in the form of a Decision in Principle (DIP), verified by our Credit Committee to ensure a yes means yes.

  • DIP issued usually less than 24 hours

Step 3: Valuation

Step 3: Valuation

DIP signed, valuation & admin fee paid? Time to value the property. Our underwriters agree the best terms/timescales from our panel for the type of property. The valuation verifies the security details on which the DIP is based.

  • Instructed usually less than 24 hours of fees being cleared

Step 4: Legal Documentation

Step 4: Legal Documentation

Time for the solicitors to do their thing, issuing contracts, and progressing the case towards completion. We use our trusted panel to ensure that we complete on time. You are included in all steps of the process.

  • We instruct quickly and only use Firms we know

Step 5: Loan Drawn Down

Step 5: Loan Drawn Down

Great, the loan is ready to go and be put into use.

  • Depending on the circumstances, this can be in as little as a week from Enquiry

Get your quote with our Buy-To-Let calculator

Try out our Buy-To-Let Calculator today to find out how much you can borrow. Download your quote for free to receive a detailed quote showing your interest, charges and other costs associated with your buy-to-let loan.

  • Did you know there are no exit fees and that we’ll return your client’s commitment fee upon the loan draw down?
Market Financial Solutions MFS buy to let calculator

We value your feedback

Leave us a review:
MFS buy-to-let finance calculator
Market Financial Solutions MFS CheckMyFile Logo

For an accurate Decision in Principle (DIP), our underwriters require a credit report from the applicants. This helps us allocate a tier, get applications through Credit Committee quickly, and speedily issue credit-approved terms. This makes life easier and quicker for the client and for us. Our preference is Checkmyfile, the only multi-bureau report that combines data from Equifax, Experian, TransUnion and Crediva.

You can try it free for 30 days, then it’s £14.99 a month – cancel online anytime.

Speak to our team

Whether you’re looking to discuss a potential deal or need some more information – our expert underwriters are here to guide you through our bespoke products and answer any questions you may have.

Market Financial Solutions MFS Speak to our team

Need some help?

Read our Buy-to-let FAQs

Latest success stories

Meet our Associations

Market Financial Solutions MFS Associations NACFB
Market Financial Solutions MFS Associations FIBA
Market Financial Solutions MFS Associations ASTL

In need of short-term finance for ultra property investment speed?

Check out our bespoke buy-to-let bridging loans, where funds could be in your account in as little as three days.

Menu