Property Finance

Buy-to-Let Mortgages

A buy-to-let mortgage is a mortgage sold specifically to people who buy property as an investment, rather than as a place to live. Investing in property is generally well understood but a number of changes have happened within the last few years that have made this once simple product deceptively complicated.

What types of properties can we fund?

Access to a wide variety of lenders and products

With almost 2000 buy to let mortgages available through a range of banks, building societies and specialist lenders White Rose Finance are ideally placed to help you get the finance you need from buying a simple buy to let to buying a distressed asset and converting it into a more complex residential property with the minimum of stress.

Being directly regulated from the FCA we are genuinely whole of market with the ability to deal with those complex cases and those lenders that only take introductions from FCA regulated mortgage advisors.

When we consider your lending requirement, we don’t just go onto a sourcing system, instead we use our 15+ years of product knowledge to make sure that you are getting the best and most appropriate deal available.

What types of buy-to-let are available?

The two main forms of buy-to-let products are the interest only, and the capital and interest repayment products. These two forms can then be arranged in either a fixed-rate product, or a variable-rate product (generally a discounted tracker).

  • Buy-to-Let Mortgage

    A buy-to-let mortgage is a lending product that allows you, the borrower, a first-charge loan using an investment residential property as security

  • House in Multiple Occupation (HMO)

    A HMO is a property rented out by several people who are not from one “household” but share facilities such as the bathroom and kitchen. These are often on individual assured shorthold tenancies (ASTs). Dependant on whether the property is licenced or not will determine the lenders that can be approached to help fund your requirements.

  • Property Portfolio Loans

    We provide expert advice for the acquisition, re-structure and re-finance of complex property portfolio structures - Whatever the size and make-up of your property portfolio!

  • Let-to-Buy

    If you want to move house but you’re struggling to sell your home or maybe your property has dropped in value, let-to-buy is something you may want to consider. Letting out your property could allow you to move into a new home without feeling pressure to sell in a rush and potentially at a loss.

  • Refurb-to-Term

    For when the property you wish to purchase requires refurbishment before it can be placed on a standard buy-to-let mortgage. This product can be put in place to allow you to complete the refurb and then switch to a mortgage once the works are complete.

Contact Us

White Rose Finance are experienced finance and mortgage brokers, we are based in Selby, North Yorkshire and service customers UK-wide.

For a free initial consultation please get in touch and one of our advisors will be in touch to discuss your requirements.