BofE Base Rate: 5.00%SONIA: 4.95%
Acorn Finance — Commercial & Business Debt Brokerage

Acorn BTL Desk · Servicing Acorn.Finance & Acorn.Mortgage Clients

Standard Buy-to-Let Mortgages: Simple, High-LTV Finance for UK Landlords

Whether you are a First-Time Landlord buying in a personal name or an experienced investor refinancing via an SPV, we compare 450+ whole-of-market lenders to find the right terms.

Get Instant BTL Rate Sheet Calculate Borrowing Power

Prefer to talk? 0207 959 3882

Dual-Gateway Service

Acorn.Mortgage vs. Acorn.Finance — One Team, Two Doors

INDIVIDUAL LANDLORDS

Personal Name Buy-to-Let (via acorn.mortgage)

  • For individuals, basic-rate taxpayers, first-time landlords, or consumer BTL applicants.
  • Access low fixed rates, top-slicing using personal salary, and flexible income stress testing.
CORPORATE SPVs

Limited Company SPV Buy-to-Let (via acorn.finance)

  • For professional landlords, tax-efficient SPV structures (SIC 68209), and corporate portfolios.
  • Generous 125% ICR stress testing, 100% tax-deductible mortgage interest, and intercompany loan deposit support.

The 4 BTL Product Pathways

Standard BTL, Done Brilliantly

From your first investment purchase to green discounted rates — matched to the right lender first time.

ZERO PRIOR BTL EXP REQUIRED

First-Time Landlord Mortgages

Buying your very first investment property on a single AST.

  • Up to 80%–85% LTV
  • First-time buyers accepted
  • Income top-slicing permitted to bridge rental yield gaps
LOWER MONTHLY PAYMENTS

BTL Remortgage & Rate Fixes

Refinancing existing properties to switch from SVR or expiring fixed rates.

  • Day-1 remortgage options
  • Free valuation and legal packages
  • Capital release for property upgrades
MOVE & LET YOUR HOME

Consumer & Let-to-Buy Mortgages

Turning your current residential home into a BTL while purchasing a new main residence.

  • Dual mortgage approval
  • Consumer BTL protections via the Acorn Mortgage desk
  • Release equity for your new home deposit
DISCOUNTED RATES

Green BTL Mortgages (EPC A–C)

Purchasing or refinancing energy-efficient properties rated EPC Band C or higher.

  • Discounted arrangement fees
  • Lower monthly interest rates
  • Future-proofed against 2030 Warm Homes Plan regulations

Interactive Estimator

BTL Affordability & ICR Calculator

Compare personal-name vs SPV borrowing power against lender stress rates in real time.

£300,000
£1,400

Borrower Type

Stress Test Rate

Maximum Allowable Loan Amount£240,000
Maximum LTV Achievable Based on Rent80.0%
Rental Surplus / Deficit (vs 75% LTV target)+£111/mo
Lock In Your BTL Rate

Indicative illustration only. Maximum loan is the lower of the rental stress result and 80% LTV. Actual lender stress rates, pay-rate products, and criteria vary. Terms subject to full underwrite, valuation, and status.

Important Tax & Financial Advice Notice

Acorn.finance & Acorn.mortgage are trading styles of Paul Thompson. Authorised and regulated by the Financial Conduct Authority (FCA #660207). Commercial mortgages, unregulated bridging, and business loans are not all regulated by the FCA. We are credit brokers, not accountants or tax advisors. Buying property in a personal name versus a Limited Company SPV carries significantly different tax consequences under Section 24 mortgage interest relief rules. The figures provided on this page are for illustrative comparison only. Please consult a qualified accountant or tax specialist before finalising your ownership structure.

Keep Exploring

Related BTL Hubs & Guides

Limited Company SPV BTL Hub

125% ICR stress testing and Section 24 tax mitigation via corporate structures.

Read the guide

The 2030 EPC Countdown Guide

Fund EPC Band C upgrades across your portfolio before the deadline.

Read the guide

HMO Mortgages & High-Yield Assets

Yield-based valuations and Article 4 solutions for HMO investors.

Read the guide

Landlord Rent Advance

Unlock 3–12 months of upfront rent — no debt, no valuation.

Read the guide

Common Questions

Buy-to-Let FAQs