Specialist Buy to Let Lending, Built Around Your Portfolio
We treat your property holdings as a business, not just a collection of assets. Whether you are expanding a portfolio, incorporating personally held properties, or diversifying into HMOs, we structure debt to maximize yield and improve tax efficiency.
Market-leading interest rates
HMOs and Multi-Units
Portfolio Restructuring
SPV & Offshore Structures
Top-Slicing & Income Flex
No Upper Loan Limit
- Buy to Let Mortgage
From single flats to multi-unit blocks, we structure buy-to-let mortgages around your income, assets, and ownership model — giving your investment the best start.
How we can help:
- Partnership into Limited Company
- Complex ownership structures
- Large Loans
- Tailored Remortgage Solutions for Landlords
From independent venues to multi-site groups, we arrange tailored finance for acquisitions, refurbishments, and refinancing. Whether you’re expanding a casual dining chain, upgrading a gastropub, or launching a new leisure concept, we structure funding aligned to your business model, lease profile, and growth strategy.
How we can help:
- Equity release for further investments
- Rate switch or refinance ahead of product expiry
- Ownership restructuring (e.g. LLP to Ltd)
- Tailored Finance for SPVs & Trading Companies
Whether you’re investing through an SPV or a trading company, we help structure your buy-to-let finance around your ownership setup, tax goals, and long-term strategy — ensuring confidence at every step.
How we can help:
- LLP to Limited Company Incorporation
- Newly formed SPVs
- Trading Limited Companies
- Structured Funding for High-Yield Assets
From large HMOs to multi-unit blocks, we arrange lending that reflects higher yields and added complexity. We tailor finance terms around tenancy type, layout, and ownership to help you unlock maximum leverage and returns.
How we can help:
- Lagre HMOs
- Above Commercial Property
- Special Tenancies
Tailored Lending Advice, Built Around You
We work with leading banks and private lenders to tailor finance solutions that align with your needs — not just your paperwork.
Why Clients Choose Key Capital
We work closely with clients to secure better terms, unlock opportunities, and deliver long-term financial confidence. Whether your situation is straightforward or more complex, our experience across residential, commercial, and specialist finance ensures you receive clarity, insight, and a smooth path to completion.
Tailored Advice, Not Templates
Bespoke lending strategies shaped around your goals and informed by market insight.
Market Insight & Negotiating Power
Direct access to decision-makers at 100+ lenders, from private banks to specialist funds.
Efficient Execution
We align lenders and legal teams to keep your transaction moving with clarity and confidence.
Long-Term Partnership
We act as a discreet, long-term advisor — from first acquisitions to complex portfolio strategies.
Speak to a Specialist
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Common Buy-to-Let Questions, Answered
Navigating the buy-to-let market isn’t always straightforward. Here are answers to some of the most frequent questions we hear from landlords and investors.
Most lenders require a minimum deposit of 25%, though some may accept less. The exact amount depends on your financial profile, property type, and rental yield.
Yes — many investors choose to hold properties in limited companies for potential tax advantages. We help structure mortgages tailored to your ownership setup.
Lenders typically require the rent to cover 125–145% of the monthly mortgage payments, based on a stress-tested interest rate. We can help you assess affordability.
You can finance single lets, HMOs, multi-unit blocks, new builds, and even short let properties — subject to lender criteria.
