Buy-to-Let Mortgages for Landlords & Investors
Whether you're buying your first rental, expanding a portfolio, or refinancing to release equity, the right buy-to-let mortgage protects your yield and your cash flow. Sadi's Commercial Finance arranges buy-to-let finance for individual landlords, limited companies and portfolio investors across the UK, matching your structure to lenders who understand property investment.
Who it's for: landlords and investors buying, remortgaging or capital-raising against residential investment property — held personally or through a limited company or SPV.
How it works: we assess your property, structure and goals, then source buy-to-let terms from specialist lenders — including cases the high street won't consider, such as HMOs, multi-unit blocks and portfolio landlords.
What we arrange
- Limited company & SPV buy-to-let mortgages
- Portfolio landlord mortgages (four or more properties)
- HMO and multi-unit freehold block (MUFB) finance
- Refurbishment / bridge-to-let for properties that aren't yet mortgageable
- Remortgages and capital raising to fund your next acquisition
- Mixed-use and semi-commercial investments
Why use Sadi's Commercial Finance
As an NACFB member specialising in unregulated commercial and investment finance, we know which lenders suit limited companies, portfolio landlords and complex properties — so you avoid dead-end applications and get terms that work for your strategy.
How to Get a Buy-to-Let Mortgage with Sadi's Commercial Finance
- Speak to a specialist. Tell us about the property, your structure (personal, limited company or SPV) and your goals.
- Share your portfolio and deposit. Provide details of your deposit, existing portfolio if you're a portfolio landlord, and property type.
- Get matched with a lender. We source specialist lenders comfortable with your structure, including HMOs, MUFBs and SPVs.
- Valuation and legal work. The lender instructs a valuation while legal work proceeds in parallel.
- Completion. Funds release on completion for your purchase, remortgage or capital raise.
Regulated or unregulated?
Most buy-to-let lending is unregulated, because the property is an investment rather than your home. That gives professional landlords more flexibility, and it's the area we specialise in.
Can I get a buy-to-let mortgage through a limited company?
Yes — many landlords borrow through an SPV (a limited company set up to hold property), which can offer tax and planning advantages. Lenders are very comfortable with this structure.
What counts as a portfolio landlord?
Holding four or more mortgaged rental properties makes you a portfolio landlord. Lenders then assess your whole portfolio, so good preparation makes applications smoother.
How much deposit do I need?
Typically 20–25% or more of the property value, depending on the lender, property type and rental coverage — we'll help you understand realistic options.