Buy to Let Finance for Landlords Including HMO

There are many more options other than standard Buy to Let (BTL) lenders. Commercial lenders have a good appetite for residential property investors, particularly those with portfolios. 

These are typically standalone transaction’s and borrowing is based upon a bricks and mortar valuation and rental income. Several different stress techniques are used by various lenders, the key is having the knowledge and the access to these bespoke lenders.

Commercial Expert Ltd offers solutions for those property investors who want to:

  • Expand their portfolio
  • Buy property quickly at auction
  • Renovate existing property
  • Utilise existing equity in their property
  • Refinance onto a cheaper rate
  • Exit from their existing lender

Rob Dales of Commercial Expert says:

What is surprising however is how often we, as an independent whole of market loan broker, get asked our opinion on whether buying-to-let is still a good investment? Our expert answer, despite tougher stamp duty and tax regulation considerations, is always positive.


However, perhaps the real reason our answer is ‘yes’ is based on the low mortgage rates we can secure. Competitive rates, knowledge of lenders’ criteria, and transparency on arrangement fees are just some of the factors giving us, and in turn you, confidence in buy-to-let loans.

If you’ve been thinking of expanding your property portfolio, perhaps the question to ask isn’t ‘Should I..?’, but rather ‘How do I find the deal that makes this work for me?’.


This is where we come in and talk you through what’s available and weigh up options using our vast experience. We’ve secured exclusive rates for landlords and clients and can help you see profit in a buy-to-let scenario, as shown in the case study below.

Case study (July 2018)

7 x £50k mid terraced properties

The situation: Due to low provable income, this client was struggling to place his 7 property purchase. Most High Street lenders needed provable income via SA302 forms. Although the client showed very good profits, personal income was kept to a minimum.

The solution: A commercial loan was arranged, as the lender was more interested in experience, rental income and overall financial position of the client – basically taking a broader, more sensible approach.

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