- Up to 80% LTV
- ICR from 125%
- Minimum loan £25,001 (refer to criteria for ex-local)
- England and Wales only
- Individuals and limited companies
- Adverse credit considered
- Holiday lets considered (loan based on AST)
- 28sqm minimum size
- Up to 75% LTV
- ICR from 125%
- Minimum value £100,000 (outside of London)
- England and Wales only
- Individuals and limited companies
- Adverse credit considered
- 10 beds maximum
- 12 months experience as a landlord
- Up to 75% LTV
- ICR from 125%
- Minimum value £100,000 (outside of London)
- England and Wales only
- Individuals and limited companies
- Adverse credit considered
- 12 months of experience
- More than 4 units in a block loan capped at £700,000
- Up to 75% LTV
- ICR from 125%
- Minimum value £100,000 (outside of London)
- England and Wales only
- >40% commercial element
- Individuals and limited companies
- Adverse credit considered
- Loan based on residential rents and value
- 12 months letting experience
- More than 4 units in a block loan capped at £700,000
Guided by a streamlined process, a hands-on service, and a flexible approach, our BTL mortgage products are designed to deliver a solution with ease. To access our BTL range, simply enter your details and our team will be in touch shortly.
If you’re looking for a simple and hands-on approach to your cases, take a look at the latest rates and key criteria for our Standard Buy to Let, HMO, MUFB, and Semi-Commercial buy-to-let mortgage products.
Product guide
Everything you need to know about our lending, borrower and property criteria is all in this detailed guide. Don’t forget, we can consider cases that fall outside our published criteria, so please don’t hesitate to contact us to discuss anything.
Criteria guide
Megan Betts
BDM – Buy-to-Let
The winner of the Broker: Administrator award at The British Specialist Lending Awards 2023, Megan joined MT Finance after over a decade of working broker-side. She now uses the knowledge and expertise she has accrued to support our buy-to-let intermediary partners and their clients.
David Kingham
BDM for London & South East
Starting at MT Finance as a New Business Executive in 2019 and progressing to Senior Underwriter for regulated bridging, David’s expertise has allowed him to smoothly transition into business development. A natural problem solver, he excels in navigating complex markets and providing innovative solutions.
Chris Parr
Senior BDM for Midlands & North
Chris Parr has over 20 years’ experience in the financial services sector. Since joining the MT Finance team in 2020, he has used his vast knowledge to support our introducing brokers in the Midlands, Northern England and North Wales and helping to guide them through every stage of an application process.
Richard Sherman
Senior BDM for South West & South Wales
Richard joined us in 2018 and has over 10 years’ experience in the industry. Having joined from a mortgage broker, he’s uniquely placed to understand how our brokers truly operate & what they need to effortlessly provide the best possible outcomes for their clients.
Joe Grace
Senior BDM for London & South East
Joe originally joined us in 2019 as a New Business Executive, meaning he has an in-depth knowledge of our operations & processes as well as the property sector. A natural people person, his ability to forge strong relationships makes him the perfect choice to support our brokers.
