Buy to Let Finance for Landlords Including HMO

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

These are typically standalone transactions, and borrowing is based upon a bricks-and-mortar valuation and rental income. Various lenders use several different stress techniques. The key is having the knowledge and 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 struggled to finance his 7-property purchase. Most High Street lenders needed provable income via SA302 forms. Although the client showed excellent profits, personal income was minimal.

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

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