Buy-to-let mortgages for landlords
First property or 15th? Personal name or limited company SPV? HMO, holiday let or standard single-let? We search over 80 BTL lenders — including the specialist ones that say yes to portfolios, top-slicing and non-standard property.
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We compare +20,000 mortgage products
Including the specialist BTL lenders landlords actually need.
Why landlords pick Montgomery
First BTL or fifteenth. Personal name or SPV. Single let, HMO or holiday let. We find lenders who look at the numbers and the strategy — in three simple steps. It’s why we’re rated 5.0 on Google.
Tell us the deal — property and plan
Purchase price, expected rent, personal name or SPV, single let or HMO. Ten minutes on the phone or WhatsApp — we'll run the rental cover and tell you straight if it stacks up.
We match you to the right BTL lender
ICR tests, stress rates, top-slicing, portfolio limits — every BTL lender has different rules. We know which ones accept 125%, which go to 145%, which love SPVs, which hate HMOs.
A real human handles the whole case
No call centres, no retelling your story to three different people. One dedicated landlord adviser from first call to completion. Free 20-minute call, same-day slots.
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Why landlords need a BTL specialist
Buy-to-let isn't like residential. Lenders assess the property's rental income, not just yours — using stress-tested rates, interest coverage ratios (ICR) and lender-specific rules about HMOs, SPVs and portfolios. One lender accepts 125% ICR, the next insists on 145%. One loves a Ltd company SPV, the next won't touch one.
We spend our week in this market. We know which lenders top-slice personal income to rescue a borderline deal, which ones lend on day-one remortgages, and which ones quietly accept houses of multiple occupation (HMOs) without extra fees. That's how we get your deal across the line.
See BTL options →Every kind of BTL
Standard single lets, HMOs, holiday lets, Ltd company SPVs, portfolios or first-time landlord deals — we cover every BTL niche. Here's who we help most.
First-time landlord
Must own a residential propertyBuying your first rental? Some lenders won't lend to first-time landlords, others are happy to. We know who's open, what deposit they need, and how much rent they'll expect you to prove.
Ltd company SPV mortgages
Tax-efficient for higher-rate earnersSince Section 24, most new landlords buy through an SPV (special purpose vehicle) for tax reasons. We work with every major SPV lender and help you structure the directors and personal guarantees correctly.
Portfolio (4+ properties)
Full portfolio stress-testingOwn 4+ mortgaged BTLs? The PRA rules kick in — lenders have to stress-test the whole portfolio. We specialise in portfolio landlords, including cases where the whole book has to balance.
House of multiple occupation
3+ unrelated tenantsHMO rental yields can be much higher — but not every lender likes them. We work with HMO specialists who lend on licensed and unlicensed HMOs, small and large, including sui generis conversions.
Holiday let mortgages
AirBnB / FHL / short-termBuying a holiday let or AirBnB property? Lenders use seasonal rental projections from specialist agents — we know which ones accept which valuation methods and which are most competitive.
Remortgage your BTL
Release equity, cut rateYour fix is ending? Or you want to release equity for the next purchase? We can start six months early, lock the rate, and switch to the lower deal if rates drop before completion.
Let-to-buy
Rent out your current homeMoving but keeping your current home as a rental? We remortgage the existing home onto a BTL deal and arrange a new residential mortgage for your next place — both moving in parallel.
Top-slicing personal income
Rescue a borderline dealRental not quite covering the ICR stress test? Top-slicing lets you use surplus personal income to plug the gap. Not every lender offers it — we know exactly who does.
The ultimate buy-to-let experience
Full BTL lender panel
Paragon, Kent Reliance, Aldermore, BM Solutions, Foundation, Landbay, Fleet and more — the landlord-only lenders the high street doesn't offer.
Stress tests done upfront
We run the ICR and top-slicing numbers before we submit — so you know the loan stacks up before anyone runs a credit search.
Dedicated landlord adviser
One human from first call to completion — no call centre, no account handoffs, no retelling your portfolio three times.
We know BTL criteria
Every BTL lender has its own rules on ICR, SPVs, HMOs and holiday lets. We know — which saves weeks of "we'll need to look into that" and dead-end referrals.
WhatsApp updates
Real-time progress from us and the lender. No chasing, no email ping-pong, no "we'll call you back next Tuesday".
Straight talk, no sales
If your case isn't placeable right now, we'll tell you — and set out what needs to change so it is in six or twelve months.