Standard, HMO, and limited company buy-to-let mortgages — placed with the lenders on our panel most likely to fund your case on the right terms.
Whether you're buying your first rental property or refinancing a twenty-property portfolio, we structure the case around what actually gets approved.
Clear guidance through your first buy-to-let purchase, including how lenders assess rental income and deposit requirements.
Structuring across multiple properties, including limited company (SPV) ownership for tax and lending efficiency.
Houses in multiple occupation, student lets, and other specialist rental structures need lenders who understand them — we know which ones do.
Property value, loan size, and rental income — either through our calculator below or a quick call with the team.
We match your case against the lenders most likely to approve it on the best available terms.
We handle the paperwork and liaise with the lender directly through valuation and underwriting.
Funds released, mortgage in place. We stay on hand for renewals and future refinancing.
Estimate your monthly cost on an interest-only basis. This is a guide only — not a loan offer.
Yes — many landlords use a special purpose vehicle (SPV) to hold buy-to-let property for tax efficiency. A number of lenders on our panel specialise in SPV lending.
Most buy-to-let lenders require a minimum of 20-25% deposit, though this varies by lender, property type, and rental income coverage.
Yes. HMOs (houses in multiple occupation) are a specialist area with fewer lenders — we work with those who understand licensing requirements and multi-let income assessment.
Lenders typically require the rental income to cover a set percentage of the mortgage payment (often 125-145%), calculated at a stress-tested interest rate rather than your actual rate.
Ace Finance UK arranges unregulated finance products only, including commercial mortgages, bridging finance, and development finance. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it. Calculators on this site provide estimates only and do not constitute financial advice or a loan offer.
Ace Finance UK is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated mortgage contracts and do not provide regulated financial advice of any kind.