Acorn BTL Desk · Servicing Acorn.finance & Acorn.mortgage Clients
Whether you are a First-Time Landlord buying in a personal name or an experienced investor refinancing via an SPV, we compare 575+ whole-of-market lenders to find the right terms.
Prefer to talk? 0207 959 3882
Dual-Gateway Service
The 4 BTL Product Pathways
From your first investment purchase to green discounted rates — matched to the right lender first time.
Buying your very first investment property on a single AST.
Refinancing existing properties to switch from SVR or expiring fixed rates.
Turning your current residential home into a BTL while purchasing a new main residence.
Purchasing or refinancing energy-efficient properties rated EPC Band C or higher.
Interactive Estimator
Compare personal-name vs SPV borrowing power against lender stress rates in real time.
Borrower Type
Stress Test Rate
| Maximum Allowable Loan Amount | £240,000 |
|---|---|
| Maximum LTV Achievable Based on Rent | 80.0% |
| Rental Surplus / Deficit (vs 75% LTV target) | +£111/mo |
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 advisers. 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
125% ICR stress testing and Section 24 tax mitigation via corporate structures.
Fund EPC Band C upgrades across your portfolio before the deadline.
Yield-based valuations and Article 4 solutions for HMO investors.
Unlock 3–12 months of upfront rent — no debt, no valuation.
Commercial & Property Debt
Document preparation
Personal Name & SPV Limited Company
Document requirements vary by lender and circumstances. Collected documents are not uploaded or verified here.
Income records support affordability checks. Match SA302s with the corresponding HMRC tax year overviews, or supply consecutive payslips.
Provide full consecutive statements with income and regular commitments. Explain unusual transfers and include every page.
Lenders assess aggregate borrowing and rental cover. Include every property and current lender details, with realistic values and rents.
These establish the borrower’s legal identity and permitted activities. Ensure company details match the application and disclose ownership changes.
Show how the deposit accumulated and its transfer trail. Gifts may require a donor declaration and evidence of the donor’s funds.
Rent and property details support the lender’s assessment. Include the full tenancy agreement where available; estimates remain subject to valuation.
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Common Questions
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