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Buying To Let Mortgages
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Buy-to-Let mortgages for landlords and property investors
A Buy-to-Let mortgage is designed for people purchasing or refinancing a property that will be rented out. Whether you’re starting your first rental investment or expanding a growing portfolio, the right funding structure can make a major difference to your long-term yield, affordability, and flexibility.
At Lockwell Capital, we support landlords and investors with a clear, deal-led approach. We’ll help you understand what lenders typically look for, what documents you’ll need, and which route best suits your goals—so you can move forward with confidence and without unnecessary delays.
What we can help you with
We support a wide range of Buy-to-Let scenarios, including:
- Purchasing a rental property (single unit or portfolio purchase)
- Remortgaging an existing Buy-to-Let to secure a better deal or a more suitable product
- Limited company and SPV Buy-to-Let applications
- Landlord portfolio reviews to help you plan refinancing over time and avoid last-minute pressure
Who this service is for
This service is typically suitable for:
First-time landlords
Experienced landlords with multiple properties
Portfolio investors looking to refinance or optimise borrowing
Applicants buying via limited company / SPV structures
UK residents and, where appropriate, international clients buying for investment purposes
If you’re unsure whether your situation fits Buy-to-Let criteria, that’s completely normal. Share the basic details and we’ll guide you to the most realistic route.
- Our Process
How Buy-to-Let mortgage decisions are usually assessed
01
The property and rental income
Lenders often evaluate the expected monthly rent and whether it comfortably supports the mortgage payments under their affordability model.
02
Deposit and loan size
Your deposit amount, loan-to-value (LTV), and the overall borrowing level play a key role in product options and pricing.
03
Your borrower profile
This can include employment status, self-employment income, company income (for limited companies), credit profile, and existing commitments.
Limited company / SPV Buy-to-Let
Many landlords choose to purchase through a limited company or SPV for tax planning and portfolio structuring reasons. If you’re using (or considering) a company structure, we can help you understand the typical requirements and prepare the application properly.
- Faqs
Frequently Asked Questions
Yes, it can be possible depending on your overall profile and the lender’s criteria.
Yes, many lenders offer limited company Buy-to-Let options, subject to eligibility and documentation.
In many cases, yes. This depends on property value, rent, lender policy, and affordability.
Yes. Portfolio cases often require more detail, and we’ll guide you through what’s needed.
Get started
If you’re looking to purchase, remortgage, or raise capital against a Buy-to-Let property, send us your details and we’ll come back with clear next steps.
PHONE NUMBER
+44 (0) 208 135 8485
EMAIL ADDRESS
hello@lockwellfinance.co.uk
