Talk to one of our mortgage experts on 0808 172 9354

Mortgage Experience

Talk to one of our mortgage
experts on 0808 172 9354

Buy-to-let

Buy-to-Let Mortgages with Mortgage Experience

A buy-to-let mortgage is specifically designed for investors who purchase property to generate income, rather than to live in themselves. While investing in property can be rewarding, recent regulatory changes and lender requirements mean the market is more complex than ever.

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Types of Properties We Can Finance

At Mortgage Experience, we offer financing for a wide range of property types, including:

Residential houses and flats

Houses of Multiple Occupancy (HMOs)

Holiday lets, Airbnb & serviced accommodation

Properties above commercial premises

Multi-unit properties

Why Choose Mortgage Experience

  • Extensive lender network: We work with many banks, building societies and specialist lenders to give you access to a wide variety of buy-to-let mortgage products.
  • Whole-of-market expertise: Mortgage Experience is fully FCA-regulated. We can handle both simple and complex cases—portfolio landlords, unusual properties, or properties needing special licences.
  • Deep product knowledge: Our team has years of hands-on experience in buy-to-let. Rather than just using software to source options, we use our insight to find the most suitable deal for you.

What Buy-to-Let Options Are Available


Here are some of the product types we frequently arrange:

  • Interest-only and capital & interest repayment mortgages
  • Fixed rate and variable rate (e.g. discounted or tracker)
  • Standard buy-to-let mortgages for single properties
  • HMOs – properties rented by multiple tenants with shared facilities
  • Portfolio finance – for landlords with multiple properties or complex ownership structures
  • Let-to-Buy – for those moving home but keeping their existing property as a rental
  • Refurb-to-Term – funding that allows you to renovate before switching to a standard mortgage

How We Support You

We pride ourselves on guiding you through every step, including:

  • Clarifying your borrowing options & what lenders will require
  • Identifying the best lenders and products for your investment strategy
  • Ensuring you’re fully aware of costs, risks, and the implications of different mortgage structures

Get Started

If you’re thinking about buy-to-let, or already own investment properties and want to optimise your mortgages, Mortgage Experience is here to help. Contact us for a free consultation and we’ll talk through:

  • Your current & future investment goals
  • The type of properties you have (or want)
  • What mortgage options are likely to be available to you
  • How to make your property investment work as smoothly as possible

Important Notices

  • Mortgage Experience is authorised and regulated by the Financial Conduct Authority.
  • We work as a credit broker, not a lender.
  • Some buy-to-let, commercial mortgages & bridging loans may not be regulated by the FCA.
  • Property or other assets offered as security may be at risk if repayments are not maintained.

Request a Callback

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Please be aware that by clicking on to the above links you are leaving the Mortgage Experience website. Please note that Mortgage Experience nor HL Partnership Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this page. There may be a fee for mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing any other debts against your home.

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Mortgage Experience Limited is registered in England and Wales. Company No. 10428355. Registered Office: Renaissance House, 4 East Terrace Business Park, Euxton Lane, Chorley, PR7 6TB