Our specialist buy-to-let mortgages can help investors progress with their residential and commercial property plans, whether they include the purchasing of a single flat, a 30-unit MUFBs, a retail stores or office space.
Explore flexible and tailored residential buy-to-let mortgages, designed to support investors and landlords across diverse and complex financial needs.
Our new commercial and semi-commercial BTL mortgages bring bridging-like speed to your commercial or semi-commercial property investment.
Applying for a buy-to-let specialist mortgage through a limited company doesn’t have to be difficult. Our Ltd company mortgages are flexible and can adjust to however complex your circumstances are.
Easy to apply for buy-to-let mortgage. See rates, requirements and application process to get your mortgage in no time.
Mortgages for first-time buyers can be difficult to obtain. Our flexible approach allows us to consider first-time buyers with any background. Speak to our specialist buy-to-let mortgage team about your circumstances.
Flexible remortgage or capital raising mortgage for buy-to-let investors. This adaptable product can adjust to your circumstances, however complex they might be.
Our buy-to-let HMO mortgage is specifically designed for landlords that need short-term finance for their HMO properties.
Our expat buy-to-let mortgage is specifically designed for property investors who are based overseas, but still want to purchase property in the UK.
Our specialist mortgages are for those who may have a less-than-perfect financial background, which may be the result of previous missed payments or CCJs.
We designed our complex Buy-to-Let mortgages specifically for property investors with complicated backgrounds, or who are making substantial investments, including overseas buyers or unlimited HMOs.
Unlock the potential of your property with Market Financial Solutions’ flexible holiday let mortgages – your gateway to lucrative short-term rental income!
Our specialist mortgages calculator will allow you to estimate how much you can borrow, factor in interest and other costs, and determine if we’re the right specialist mortgage lender for you. All that’s needed from you is a few basic details on the property, your financial background, and the type of loan you need to get immediate results.
Speak to one of our underwriters or BDMs on the phone, via chat or email about your case, however complex it might be. We will try our best to say yes to you, instead of finding a reason to say no.
Email: info@mfsbtl.com
Phone: +44 (0)20 7060 5678
Email: brokers@mfsuk.com
Phone: +44 (0)20 7060 1234
We designed, tested and approved our specialist buy-to-let mortgages specifically for landlords. We brought our bridging experience to the BTL industry and designed adaptable mortgage products that prioritises speed and flexibility. Our specialist buy-to-let mortgages offer bespoke finance that can be tailored to a range of circumstances and backgrounds. Regardless of whether you’re a first-time landlord looking to enter a new market, or a seasoned portfolio owner investing in a multi-unit freehold property, we’ll do our best to match you to the most suitable product.
Our specialist mortgages can be used by property investors for a range of buy-to-let strategies and end-goals. They can be used for property based in mainland England and Wales, which includes residential homes, new builds, no room limit HMOs as well as mixed-use and commercial properties like office space, pubs, B&Bs and more. As a buy-to-let mortgage specialist, we can provide funding for multiple properties on one loan, which can be spread across flats, houses, short-term lets, commercial units and mixed-use spaces.
Our specialist mortgages typically follow a 5-step process. You’ll be assigned an underwriter from day one who will assess your background and investment, move your deal through the process, and deliver funding. Your exit strategy will be assessed as part of your application. Typically, this will involve moving onto long-term financial solutions, or selling the property (or properties) on. Additionally, our specialist buy-to-let mortgages provide borrowers with several repayment and affordability options, including rolled up interest, deferred interest, and top slicing.
We have different specialist mortgages available, providing you with optionality. Also, all our residential mortgages are split into 4 tiers. Tier 1 mortgages are our “standard” BTL loans for the most straightforward cases. Tier 2 loans are designed for simple transactions involving mid-term BTL solutions. And Tier 3 loans are for those with more complex backgrounds or substantial investment plans. Examples include large structures, expats, foreign nationals, or overseas companies. Our final tier is for property investors with particularly complicated situations, which may combine several factors.
Our commercial and semi-commercial mortgages are devided into 2 tiers: Tier 1 covers the standard cases, whereas the bespoke tier covers certain properties, individual or adverse combinations to accommodate more flexible needs.
All our mortgage deals are reviewed on a case-by-case basis, and we do our best to lend even in the most difficult of circumstances.
Specialist mortgages can provide property investors with a tailored, speedy solution where high street lenders may have turned them away. Our specialist buy-to-let mortgages do not follow a rigid tick-box lending criteria. Each case is assessed on its individual merit and we’re able to work with those who may have certain blips in their credit history. We’re happy to hear from those who may have CCJs, bankruptcies, or IVAs on their record. Our flexibility allows us to adapt to the wider market in a flash. Whereas high street banks have been known to pull their BTL products where the economy has struggled, we’ve continued to lend.
Across our different BTL mortgages, you’ll be able to borrow between £150k and £10m. For single property investments, you’ll be able to borrow up to £3m, with portfolio purchases stretching to £10m. We also have a loan-to-value limit of 75%.
Our specialist buy-to-let mortgages are available to investors aged between 21 – 75+. We can provide funding for individual borrowers via a range of setups, including being self-employed and first-time landlords. We can also accommodate a number of corporate arrangements, such as: LLPs, SPVs, Trusts, and limited companies. All our products are also available to borrowers from anywhere in the world, other than sanctioned countries.
Our mortgages have a term length of 10 years, with no exit fees after the inital period.
You can start your application by reaching out to us or speaking to a mortgage broker about Market Financial Solutions. Enquiries can be made through our website, via our live chat, over the phone, and via email. Regardless of how you contact us though, we vow to respond within 4 hours.
Following an initial enquiry, one of our underwriters will be in touch to gather a few basic details on your circumstances. This will allow us to provide an indicative tier, rate, and loan size. Next, we’ll move through the underwriting process – issuing credit-approved terms, and a decision in principle which will be verified by our internal credit team. As we continue through the process, we’ll work with the valuers and solicitors involved to complete what we require from them. Once everything is ready to go, the loan can be drawn down and put to use.
As a buy-to-let mortgage specialist, we pride ourselves on how quickly we can move. Where everything is accounted for and there are few, if any complications, funding can be delivered in as little as a week from enquiry. Where complexity does arise, we might need to extend turnaround times. However, we aim to stay within the expected time frame. Generally though, we work to issue our loans as quickly as possible.
We have been in business since 2006 and ever since then, we have developed expertise in providing property investors with tailored specialist finance. In almost 20 years of operating, we’ve continued to issue funding in the face of economic meltdowns, political difficulties, and a global lockdown. Due to our flexibility, we can lend more than our competitors. We are one of only a few BTL lender that offers rolled or deferred interest options. Moreover, we provide a personal service to landlords, so you will never struggle against a chatbot or automated service. We are always looking for reasons to say yes to every investor we deal with. Regardless of whether they’re a domestic buyer investing in a single flat, or an overseas entity with poor credit looking to move into the student housing market.
If you’re still unsure of whether we’re the right buy-to-let mortgage specialist for you, feel free to reach out to us. We’re more than happy to answer any queries you have. And if our mortgages are not what you’re after, we have a range of bridging products available that can help landlords with their plans. Examples include our Permitted & Light Development Bridging Loans, and Auction Bridging Finance.
