Acorn Mortgage Desk · Residential & Consumer Buy-to-Let
Straightforward Buy-to-Let Mortgages for Individual Landlords
Whether you are purchasing your first BTL, refinancing a single-let rental in your personal name, or navigating Consumer Buy-to-Let rules as an accidental landlord, we compare whole-of-market rates.
Choose the right Buy-to-Let desk
Active desk
Vanilla Personal-Name BTL
Ideal for basic-rate taxpayers, single AST properties, first-time landlords and accidental landlords letting a former home. Focused on whole-of-market fixed rates, consumer protections and low product fees.
Specialist corporate desk
Specialist SPV / Corporate BTL
For higher or additional-rate taxpayers, HMOs, MUFBs and expanding portfolios. Explore Section 24 considerations, Corporation Tax efficiency and PRA portfolio underwriting.
Explore SPV hubVanilla BTL Rental Stress-Test Calculator
A. Property & rent
B. Mortgage rate preference
Indicative interest-only modelling. Actual affordability, rates, fees and lender stress tests vary.
LTV cap
£262,500
75% of property value
Applied stress rate
5.5%
5-year fixed illustration
Required ICR
145%
Higher/additional-rate illustration
Borrowing by rent
£270,846
Annual rent ÷ stress rate ÷ ICR
Maximum borrowing capacity
£262,500
Lower of rental and LTV caps
Estimated monthly mortgage
£1,083
Illustrative interest-only payment
Pro Tip
Switching to a 5-Year Fixed Rate can reduce the illustrative lender stress rate to about 5.5%, potentially supporting materially more borrowing from the same monthly rent.
Download Your BTL Rate Comparison & ICR Assessment (PDF)
Get a personalised four-page appraisal comparing two-year and five-year fixed structures, fees and rental stress limits.
Send these figures straight to a specialist broker — no need to re-enter your numbers.
Apply with These FiguresImportant Buy-to-Let Regulatory Notice
Acorn.mortgage (Trading style of Paul Thompson) is authorised and regulated by the Financial Conduct Authority (FCA #660207). YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Most commercial Buy-to-Let mortgages are not regulated by the FCA. However, Consumer Buy-to-Let mortgages, arranged where the borrower did not purchase the property solely for investment purposes, such as letting a former residence, are regulated under FCA consumer credit rules.