Buy to Let
From £10,000–£500,000
Funding solutions for landlords at every stage — whether you’re expanding your portfolio, buying your first property, or renting out a home you’ve recently moved from.
- Complex incomes catered for
- Quick turnaround with personal service
- Specialist options for niche BTL mortgages
- Products for individuals, companies and investors
This will not affect your credit score
First Charge Mortgage
A First Charge Buy-to-Let Mortgage is the main loan secured against your rental property. The lender holds the first legal claim on the property if repayments aren’t met. These products are ideal for purchasing BTL properties or remortgaging an existing one to secure a better rate or release equity.
Benefits
- Grow your portfolio: Purchase new properties or refinance existing ones.
- Competitive rates: Access specialist BTL lenders offering competitive first-charge products.
- Rental income potential: In most cases, rental income can cover the mortgage payments.
- Long-term investment: Your property may increase in value over time, helping build wealth for the future.
Second-charge mortgages
A Second Charge BTL Mortgage is secured against the equity in an existing property without disturbing your current first-charge mortgage. These can be useful if you need additional funds but want to keep your current rate or avoid early repayment charges.
We offer:
- Self-funding and non-self-funding options
- Options over 100% loan-to-value in some circumstances
- Solutions for borrowers with historic or current credit issues
- Products that may not require consent from the first-charge lender
If one property doesn’t provide enough equity, you can secure the loan across multiple buy-to-let properties or use a second charge on your residential home to raise the deposit you need.
Benefits
- Access additional funds: Ideal for deposits, refurbishments, consolidating BTL debts, or expanding your portfolio.
- Protect your main mortgage: Keep your existing first charge and interest rate.
- Flexible underwriting: Options available even with complex income or less-than-perfect credit.
Bridging Finance available
If you need to purchase quickly — for example, at auction or before another buyer steps in — we may be able to arrange short-term bridging finance to secure the property.
More about Bridging FinanceHow it works
Quick online application
Tell us about yourself and what you’re looking to achievePersonalised review
We’ll assess your application, compare suitable BTL products, and negotiate with lenders — finding the most competitive options for your circumstancesReceive your finance
If approved, funds are typically released within two weeksThis will not affect your credit score
Customer Review
Why choose Optimise Finance?
Extensive experience
Our advisors are specialists in buy-to-let and complex income cases
Broad access
Our panel includes multiple BTL lenders, including those offering niche or specialist solutions to source the funding you need
Options for imperfect credit
Lending solutions available for clients with historic or current credit issues.
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