Buy to Let
Long Term Finance for Property Investors and Landlords
At Springboard Funding, we arrange unregulated buy to let and investment mortgages for landlords, limited companies, and SPVs purchasing or refinancing income producing property. We source whole of market solutions from specialist lenders to deliver flexible terms, competitive rates, and fast decisions for investors expanding their portfolios or refinancing after development.
What Is Buy to Let / Investment Finance?
Buy to let (BTL) or investment finance is a longer term loan secured on a rental or investment property.
Unlike consumer mortgages, these loans are structured for business and investment purposes, not for owner occupied homes making them unregulated products.
Used for:
- Purchasing or refinancing rental portfolios
- Refinancing after development or refurbishment
- Raising capital for future projects
- Switching from bridging or exit finance into long term funding
Typical Loan Terms:
Feature: Typical Range:
Loan Size: £75,000 – £10 million+
Term Length: 2 – 30 years
Loan-to-Value (LTV): Up to 80 % (subject to lender)
Interest Rates: From 5.50 % p.a. (product dependent)
Property Types: Single lets, HMOs, blocks, mixed-use, semi-commercial
Applicants: Individuals, companies, SPVs, partnerships
Why Choose Springboard Funding?
Whole of market lender access: banks, specialists, and private funders.
Company structures supported: SPVs, LLPs, and portfolio investors.Complex cases welcomed adverse credit or non standard property types.
Refinance specialists: move seamlessly from bridge or development loans.
Tax efficient structuring: introductions to lenders comfortable with corporate vehicles.
Ideal For:
- Portfolio landlords seeking better terms or leverage.
- Developers refinancing completed projects into BTL.
- Investors purchasing blocks, HMOs, or semi commercial units.
Refinancing short term or exit loans into term products.
Frequently Asked Questions?
Q: Can you arrange limited company BTL mortgages?
A: Yes. We work with lenders specialising in SPV and company structures.
Q: Can I refinance my bridging loan to a buy to let?
A: Absolutely. Many of our client’s transition from bridge to BTL once refurb or development is complete.
Q: Do you work with expat or offshore investors?
A: Yes. Subject to lender criteria.
⚠️ Important Notice
We provide unregulated buy to let and investment mortgage advice for property investors and companies.
Our services are not authorised or regulated by the Financial Conduct Authority (FCA) and not suitable for owner occupied or consumer mortgages.
Case Studies
Portfolio Refinance & Capital Raise
Wareham, Dorset
Loan Amount: £765,000
LTV: 75%
Term: 5 years
Rate Type: Fixed
Security: 1st
Overview:
A small investment property company owned three buy to let flats in Wareham, Dorset. Their existing fixed term BTL mortgages were approaching maturity. The client wanted to refinance the portfolio, secure competitive rates, and release equity to grow their business.
Solution:
After reviewing the portfolio’s performance and current market values, we arranged new 5 year fixed rate BTL mortgages at a high LTV. The refinance consolidated existing borrowing and leveraged increased equity across the three flats.
Key features of the solution:
- Competitive 5 year fixed products from a specialist BTL lender
- High LTV to maximise equity release
- Streamlined refinance process covering all three units under one strategy
Outcome:
The refinancing completed smoothly, securing £765,000 against the portfolio with a first legal charge. The uplift in property values, coupled with the high LTV products, released sufficient capital for the client to purchase an additional investment property expanding their portfolio and increasing rental income potential.
Key Takeaways:
- Strategic refinancing can unlock equity to fuel portfolio growth
- High LTV products are achievable for well managed BTL assets with proven rental income
- Reviewing market values regularly helps investors optimise borrowing capacity
Knowledge Hub
Downloadable Quick Read
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Always happy to meet in person
If you’d prefer a face to face meeting to discuss your requirements, we’ll be glad to arrange it at a time that suits you. We’re available outside of regular business hours, including evenings and weekends, and are happy to travel to meet you.
Contact us
Edward
edward@springboardltd.co.uk - 07378 448 241
Aston
aston@springboardltd.co.uk - 07471 754 311
Telephone: 0121 485 0027
E-mail: info@springboardltd.co.uk
Address: 11 Brindley Place, Brunswick Square, Birmingham, B1 2LP
by appointment only
