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.
| Result | Value | Note |
|---|---|---|
| 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.
No credit bureau searches at this initial stage.
Important 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.