Mortgage products

Every buy-to-let mortgage on the UK market, in one place.

We are a specialist source of non-regulated buy-to-let mortgages with a 100+ lender panel. Every case runs across the full panel, packaged the way each lender expects.

Buy-to-let mortgages

Single-let AST finance.

Standard residential single-let buy-to-let mortgages on assured shorthold tenancies. The bedrock of UK landlord lending.

For: First-time and established landlords financing single-tenant houses and flats.

Limited company SPV buy-to-let

Tax-efficient SPV finance.

Lender access for SPVs (SIC 68209 / 68100). Director and shareholder personal guarantees, inter-company structures, and dividend repayment planning where relevant.

For: Higher-rate taxpayers, portfolio landlords, and incorporated investors.

Buy-to-let remortgages

Refinance and capital raise.

Switch lender at the end of a fix, capital raise on equity, or product transfer where the maths favour staying. We model all three on every case.

For: Landlords approaching deal expiry, or sitting on equity they want to deploy.

Portfolio landlord mortgages

4+ properties, full portfolio review.

Lenders treat portfolio landlords (4+ BTL mortgages) as a separate underwriting category. We package the portfolio, rental schedule, and stress tests in the way each lender expects.

For: Landlords with four or more buy-to-let mortgages, including top-slicing where lenders permit.

HMO mortgages

Small and large HMO finance.

Houses in multiple occupation, both small (up to 6 bed) and large (7+). Specialist valuation methodology applies — investment value, bricks-and-mortar comparable, or rent-driven yield.

For: HMO operators, including conversions, Article-4 areas, and licensed schemes.

MUFB mortgages

Multi-unit freehold blocks.

Blocks of self-contained flats held under a single freehold. Specialist lender appetite, treated distinctly from HMOs.

For: Investors holding small blocks of flats freehold rather than long-leasehold.

Holiday-let mortgages

Short-term and AirBnB-eligible.

Furnished holiday let and short-term-let mortgages. Different income evidence, different lender pool, different tax treatment.

For: Holiday let operators and AirBnB investors in lender-eligible postcodes.

Semi-commercial mortgages

Mixed-use property finance.

Properties with both residential and commercial use — typically a flat above a shop. Underwriting blends BTL and commercial principles.

For: Investors buying mixed-use stock, including unbroken parade purchases.

Expat and foreign-national BTL

Cross-border landlord finance.

A thinner lender market for non-resident and non-UK borrowers, with currency, identity, and AML overlay.

For: UK passport holders living abroad, or foreign nationals investing in UK rental property.

First-time landlord BTL

Owner-occupier first investment.

The handful of lenders who actively underwrite first-time landlords and what each looks for in income, deposit, and exit.

For: Owner-occupiers buying their first investment property.

Bridge-to-let

Bridge with defined BTL exit.

Fast bridging finance with a pre-agreed exit to a BTL term mortgage on completion of works or tenancy. Often the cleanest route on auction or refurb buys.

For: Investors buying at auction, refurbishing, or unable to complete on a term mortgage at purchase.

Locations

UK cities, with real numbers.

Each location page pulls live HM Land Registry sold-price data, ONS / VOA rents, Census demographics, and street-level crime — and uses them to compute an indicative yield, a worked stress-test, and a lender-appetite read. Top 5 cities live; further tranches roll out monthly.

London

4.97% yield

£550,000 median
£2,280/mo rent

Birmingham

5.79% yield

£225,000 median
£1,086/mo rent

Leeds

5.9% yield

£230,000 median
£1,130/mo rent

Edinburgh

5.42% yield

£305,000 median
£1,377/mo rent

Liverpool

5.95% yield

£180,000 median
£893/mo rent

Sheffield

7.96% yield

£207,500 median
£1,377/mo rent

Manchester

6.81% yield

£237,500 median
£1,347/mo rent

Bristol

6.57% yield

£345,000 median
£1,888/mo rent

Leicester

4.65% yield

£265,000 median
£1,026/mo rent

Cardiff

5.2% yield

£267,000 median
£1,157/mo rent

Coventry

5.45% yield

£225,000 median
£1,021/mo rent

Bradford

5.53% yield

£160,000 median
£737/mo rent

Nottingham

5.41% yield

£223,500 median
£1,008/mo rent

Newcastle upon Tyne

7.5% yield

£193,053 median
£1,206/mo rent

Brighton and Hove

5.26% yield

£416,500 median
£1,826/mo rent

Derby

4.42% yield

£230,000 median
£847/mo rent

Kingston upon Hull

5.66% yield

£145,000 median
£684/mo rent

Plymouth

5.2% yield

£227,500 median
£985/mo rent

Stoke-on-Trent

5.06% yield

£167,750 median
£708/mo rent

Southampton

5.07% yield

£295,000 median
£1,246/mo rent

Northampton

4.27% yield

£275,000 median
£978/mo rent

Wolverhampton

4.74% yield

£235,000 median
£928/mo rent

Luton

4.72% yield

£307,750 median
£1,211/mo rent

Portsmouth

6.48% yield

£251,125 median
£1,357/mo rent

Reading

4.74% yield

£400,000 median
£1,579/mo rent

Norwich

5% yield

£275,000 median
£1,146/mo rent

Milton Keynes

4.83% yield

£330,000 median
£1,329/mo rent

Bournemouth

5.59% yield

£300,000 median
£1,397/mo rent

Peterborough

4.78% yield

£245,000 median
£976/mo rent

Bolton

5.55% yield

£190,000 median
£878/mo rent

Showing the top 30 by population. 570 cities covered in total.

Frequently asked questions

Are buy-to-let mortgages regulated by the FCA?

Most buy-to-let mortgages are unregulated commercial lending — sat outside the FCA regulated mortgage regime. A narrow subset called Consumer Buy-to-Let (introduced by the Mortgage Credit Directive in 2016) is regulated where the borrower is letting to a family member or accidentally became a landlord. We arrange non-regulated buy-to-let mortgages only and do not arrange Consumer Buy-to-Let or other regulated mortgages.

How much deposit do I need for a buy-to-let?

Most lenders cap LTV at 75 to 80 percent. So 20 to 25 percent deposit is standard, plus stamp duty and acquisition costs.

What is rental cover (ICR)?

Interest Cover Ratio. Lenders divide your stressed annual interest into rental income. Typical thresholds are 125 percent for basic-rate / SPV, 145 percent for higher-rate borrowers.

Do you charge a broker fee?

Initial consultation is fee-free. On completion our broker fee is typically £995 to £2,995 depending on case complexity, disclosed before you commit.

Enquiry

Speak to a broker

Same-business-day callback. Fee-free initial consultation. Whole-of-market access to our 100+ buy-to-let lender panel.

→Whole-of-market panel: 100+ specialist BTL lenders.
→Same-business-day callback during office hours.
→Initial consultation always fee-free.

Worked example

A non-regulated buy-to-let mortgage of £200,000 on a property valued at £300,000 over a 25-year term, on a 5-year fixed rate at 5.49% reverting to a variable rate, would have monthly interest-only payments of approximately £915. The capital balance remains outstanding at the end of the term and must be repaid by sale, refinance, or capital repayment from another source. Rates correct as of May 2026. Illustrative only; actual product, rate and fees vary by lender and case.

Lender panel and fees

We have access to a panel of 100+ specialist buy-to-let lenders, including high-street, specialist, and challenger banks. Initial consultation is fee-free. On completion, our arrangement fee is typically £995 to £2,995, depending on case complexity. We are also paid a procuration fee by the lender, typically 0.30% to 0.55% of the loan amount, which is disclosed before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange non-regulated buy-to-let mortgages only. We do not arrange Consumer Buy-to-Let or other regulated mortgages — if your case falls into the regulated regime we will refer you to an FCA-authorised firm.