Buy to Let Mortgages

Impartial – Specialist – Advice

Specialist advice to search the market and find the best lender and mortgage rates for you

We work with over 170 different lenders
New or Portfolio Landlords
Up to 85% LTV

Professional – Unbiased – Knowledge

We Get Buy to Let

With over 20 years experience working in Banks and Specialist Lenders, and being Portfolio landlords ourselves, we understand how important finance is to your investments. We can help with everything from the vanilla to highly complex.

Get in touch – We’ll really get to understand your situation, plans and property. We use the latest sourcing technology systems combined with our extensive knowledge, contacts and network to find you the best value and most relevant mortgages to turn your plans into reality.

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Individual and limited companies
High street and specialist lender access
Purchase, remortgage, further-advance, refurbishment
Straightforward and quirky property types
First-time landlords

Portfolio landlords
Professional landlords
Expat & foreign national investors
Low and no arrangement fees available
Market leading rates available

Speak to our Experts on 01590 540 150 or Send us a message

Buy to Let Mortgages

Up to 85% LTV, First time or Experienced Landlords

Multi Unit Blocks (MUBs)

Multiple units in the same block

Buy to Let Remortgage

Full remortgage, rate switch, further advance

Commercial & Semi Commercial

Including Retail, Offices, Industrial & Mixed Use

House of Multiple Occupancy (HMOs)

Up to 30 tenants, Small or Licenced

Holiday Lets & Airbnb

Mortgages for UK Holiday & Short Letting

Limited Company Mortgages

SPVs or Trading Businesses

Bridging & Auction Finance

Time sensitive & Development Finance

Professional – Bespoke – Knowledge

Why use Foxhill Property Finance?

We’re a small business, focussed on exceptional service and becoming a trusted partner for our clients, but with the advantage of being part of a much larger network. This gives us access to a huge number of lenders – from the large Banks to the small niche lenders – including some with exclusive terms for us.

Each lender has their own criteria on client background, affordability measures and property type – it’s our job to sift through these and leverage our contacts to find the very best rates and most suitable terms for you.

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Frequently Asked Questions – Buy to Let

How much deposit do I need for a Buy to Let Mortgage?foxhillfinance_zlqxa92025-03-25T17:17:36+00:00

How much deposit do I need for a Buy to Let Mortgage?

Buy to Let lenders typically require borrowers to have a deposit of 25%. Some mortgages are available with a 15% deposit although there is a smaller choice of products and so rates will be higher. Availability will be driven by the property rental income.

Should I choose a fixed or variable rate mortgage?foxhillfinance_zlqxa92025-03-25T17:17:23+00:00

Should I choose a fixed or variable rate mortgage?

Whether a fixed or variable rate mortgage is better for you will depend on your circumstances. Feel free to speak to us to discuss your options.

What is LTV (Loan to Value)?foxhillfinance_zlqxa92025-03-25T17:21:00+00:00

What is LTV (Loan to Value)?

The Loan to Value (LTV) is the ratio of the amount you are borrowing against the value of the property. Borrowers often secure Buy to Let mortgages in the range of 60-85% LTV with 75% LTV being most common.

Why should I use a Mortgage Broker?foxhillfinance_zlqxa92025-03-25T17:36:13+00:00

Why should I use a Mortgage Broker?

Here are some of the benefits of using Foxhill Property Finance to find your buy to let mortgage:

1. Huge market choice

Working with a broker such as us gives you access to a huge number of products available in the market. Your broker will review the market, find you the best options and give you expert advice. As part of our network we’ve developed relationships with some of the biggest BTL lenders which means we can access exclusive and limited-edition ranges you can’t get anywhere else.

2. Dealing with experienced professionals

Reduce the time and stress it takes to complete a mortgage application – we’ll make sure you have all the necessary supporting documentation for your application, so there’s a higher chance of your lender accepting the application first-time.

3. Continuously changing market

Lenders often change criteria and withdraw mortgage rates at short notice, making it difficult to stay up-to-date. We stay on top of the latest changes so we can always provide you with the most up-to-date advice. Lenders usually let us know about these changes ahead of time, giving our team time to reassess your application.

4. Expert advice and support

It’s our aim to find you the best mortgage rate for your needs and provide a straightforward mortgage application process. We’re there for questions and to discuss any concerns to help you make the right decisions.

Can you help with unusual property types?foxhillfinance_zlqxa92025-03-25T18:25:50+00:00

Can you help with unusual property types?

Yes! We have relationships with lenders who deal with all types of property – for example high rise flats, ex local authority, flats above takeaways and non-standard construction. More unusual property generally means less mortgage choice and potentially higher rates.

Can I secure a mortgage with poor credit history?foxhillfinance_zlqxa92025-03-25T18:20:20+00:00

Can I secure a mortgage with poor credit history?

Yes! We deal with lenders who are happy with varying degrees of credit problems including missed payments, defaults and CCJs. Feel free to call us to discuss your position.

How much personal income do I need for a BTL mortgage?foxhillfinance_zlqxa92025-03-25T18:15:14+00:00

How much personal income do I need for a BTL mortgage?

All lenders are different. All will look at the rental income of the property. Some have no minimum personal income, others have a set minimum income, for example £25,000.

What is Income Cover Ratio (ICR)?foxhillfinance_zlqxa92025-03-25T18:13:09+00:00

What is Income Cover Ratio (ICR)?

Income Cover Ratio is a key affordability measure used by lenders to express rental income against interest costs – a higher percentage means better cover. The ICRs lenders require depend on several factors including whether you’re a normal or higher rate tax payer, whether you own in a limited company and whether the mortgage rate is fixed – we’ll explain options when we speak.

Get in touch

Send us a message or request a callback

If you’d like to be called at a particular time, please let us know in the message box and we will do our best to contact you then.

Or call us : Monday to Friday : 9am – 6pm

01590 540 150

hello@foxhillfinance.co.uk