Buy to let mortgage

Buy to let mortgage from Acorn.finance

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Your property investments deserve the right buy to let mortgage. So our advisors will get you the right mortgage for your situation.

The most important part of your property investment is for you to make a profit. Business plans vary but that’s the constant!

You might be looking for cash-flow to improve your current income, capital growth to bolster your pension or a combination of both, but your Acorn.finance advisor will work with your property strategy. By doing that you’ll get the funding you need to achieve your property goals.

Why Acorn.finance

We’ve been arranging funding since 1997 and, if you’ll forgive us for boasting but we think we’re quite good at it!

In fact – 7 x UK Best Broker Awards back us up in that assertion, so does our 5 star customer feedback.

So -for your buy to let mortgage needs, or anything else funding – make sure you use a broker you can trust.

About Acorn.finance

Buy to let mortgages & commercial investment mortgages

holiday let mortgage - property finance

Buy to let mortgages;

Residential buy to let mortgages.

Wherever you are on your property journey the right mortgage advice is crucial. Growing, consolidating or starting out gives different priorities. So getting the right product isn’t always about checking the Telegraph for the best buy to let mortgage rates. There’s more to it! That’s where an experienced Acorn.finance broker comes in!

As well as “vanilla” buy to let mortgages our experts can also arrange the following;

Commercial and semi commercial property finance mortgage buy to let

Commercial property investment mortgages

With the relentless attacks from successive government actions many landlords are looking for ways to diversify their income streams.

With so many property options out there you’ll want to get the best “bang for your buck”. So that’s where your Acorn.finance broker will help to analyse the mortgage options and ensure you meet your goals.

Commercial buy to let mortgages are available for virtually any property types including;

  • Shops and semi-commercial properties.
  • Hospitality businesses like Hotels, Pubs and Restaurants.
  • Offices
  • Workshops and trade counters
  • Industrial units and estates
  • Farms and land

Find out more about commercial investment mortgages

property development finance

Bridging finance & short term funding

For short term property finance needs a bridge loan is the perfect solution. It allows the purchase or capital raise against a property with the exit then being onto a term mortgage or the sale of the property.

A bridging loan can be used for any one of a range of reasons, some examples being;

  • Auction Purchase – Where speed is key.
  • Refurbishment of a dilapidated property.
  • Conversion of a property (often commercial to residential)
  • New property development
  • Capital raising for property, business or any (legal) purpose.
portfolio buy to let mortgage -aerial view sheffield

Professional landlord buy to let mortgages

Sometimes professional landlords have issues finding the right buy to let mortgage for their needs.

Underwriting requirements from the mortgage lenders become stricter and typically more information will be required to support the application.

Because Acorn.finance is a long established buy to let broker, we have access to commercial mortgage lenders who take a more holistic view of your situation.

Check our our how to get a buy to let mortgage guide here.

Apply for a professional landlord mortgage here.

portfolio buy to let mortgage - London

Portfolio buy to let mortgages

Similarly to professional landlord mortgages, portfolio landlords can have issues with some lenders. Because the additional stress tests and background information required can put the application outside their limits.

To get the best buy to let mortgage for your circumstances we’ll need to your existing portfolio and a business plan as well as the normal information you’d provide.

Check our our how to get a buy to let mortgage guide here.

Apply for a portfolio landlord mortgage here.

corporate company buy to let mortgage - Manchester view

Limited company buy to let mortgages

Ever since the introduction of Section 24 by George Osborne, placing buy to let properties in a company or trust has grown in popularity.

Our lenders accept applications in existing or new start companies and even trading companies (although availability there is more limited).

Contact one of our advisors now.

offshore buy to let mortgage investment in uk

Offshore buy to let mortgages

Typically for companies registered outside the UK, LLPs, or trusts Acorn.finance arrange mortgages through our specialist lending panel based both in the UK and abroad.

Contact our specialist advisors now

Student buy to let mortgages

From student residence blocks to houses for conversion to HMO the ever growing army of students need to live somewhere.

The range of student investment property thus is broad, it’s possible to purchase flats, houses or entire blocks for student accommodation. Acorn.finance have the full range of mortgages and bridging for conversions.

Contact us for further details.

Multi Unit Block buy to let mortgages

A Mult-unit freehold block (MUFB) is just a property split into flats (or a purpose built block). The difference from a funding point of view is that the buy to let mortgage is against the freehold of the block rather than each individual flat.

A MUFB is different to an HMO in that each unit is a self contained flat rather than having shared facilities (such as kitchens, bathrooms or communal areas.)

Each flat will therefore have its own tenancy agreement, its own utilities and council tax.

The maximum loan against a MUFB can be lower than expected as some lenders discount the overall value for larger blocks.

Contact us for more information.

bridging finance for office conversion to HMO buy to let mortgage

Houses of Multiple Occupation buy to let mortgages (HMOs)

Because they offer better cash flow than standard buy to let properties, but not as much management as serviced accommodation, HMOs are a popular choice for investors taking the next step in their journey.

The HMO mortgage market is misunderstood by many investors meaning professional advice is vital if you’re going to get the most out of your property and the best buy to let mortgage for your property.

Getting the best mortgage isn’t just about the interest rates, it’s also about what sort of valuation the lender will lend against, what sort of HMO they will lend against and what experience they expect you to have.

Applications to the wrong lenders cost time and money, by taking the time to understand understand your case before presenting to lenders, your Acorn.finance advisor will save you both, and ensure you get the best buy to let mortgage rate for your property and circumstances.

Contact us now for a consultation

Expat buy to let mortgage - beach life

Ex-pat and foreign national buy to let mortgages

Buy to let mortgages allow investment into UK property for British nationals living overseas and foreign nationals.

Individual circumstances vary but here at Acorn.finance we’ve worked with portfolio landlords adding more properties and first time landlords.

Discuss your case with one of our advisors today.

Commercial and semi commercial property finance mortgage buy to let

Semi-commercial buy to let mortgages

A semi-commercial property is one which is part residential and part commercial. Many lenders will view this as a commercial mortgage and as such could be outside their criteria. Fortunately Acorn.finance work with a wide selection of lenders which are lending on more complex properties.

holiday cottage mortgage

Holiday let mortgages & Serviced Accommodation

More similar to a commercial mortgage but gaining popularity amongst buy to let investors, serviced accommodation mortgages have another page

Learn more about serviced accommodation and holiday let mortgages.

Impared credit buy to let mortgage

Buy to let mortgages for impaired credit

Many of us have the occasional blip in our credit file, but some lenders define us it.

Acorn.finance as a broker has access to a full range of lenders and whether it’s a couple of missed payments or a CCJ, we have the products you need.

Check our our how to get a buy to let mortgage guide here.

Apply for a portfolio landlord mortgage here.

Contact us now on 0808 164 2364

Acorn.finance – 4th Floor, Silverstream House, London. W1T 6EB

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