Expert landlord finance from award-winning brokers since 1997
First investment property or expanding your portfolio. We'll find the right lender for your purchase. We even fund first time buyers!
Better rates, raise capital, or switch from interest-only to repayment. We'll get you the best deal.
Multiple properties, complex situations, unlimited portfolio sizes. Onshore or offshore, we specialise in landlord finance.
Our proven 6-step process ensures you get the right BTL mortgage with minimal stress
We gather all the facts about your BTL requirements and what lenders need to see.
We understand your investment goals and create a tailored BTL strategy.
We negotiate the best BTL mortgage terms from our panel of 400+ lenders.
Fast, efficient processing so you get your BTL mortgage without delays.
We manage the entire process through to completion and fund drawdown.
Complete transparency with documented progress at every stage.
Since 1997, we've specialised in finding the right funding solutions for property investors. Our founder Paul Thompson identified a gap in the market - landlords weren't getting the best advice from high street banks.
"Needed to remortgage 4 properties and raise capital for 2 new purchases. Acorn secured competitive rates across the entire portfolio when my bank couldn't help."
"As a first-time landlord, Acorn explained everything clearly and found me an 80% LTV mortgage when I thought I'd need a bigger deposit."
"Self-employed with a complex income structure. Acorn found a lender who understood my business and approved the BTL mortgage quickly."
We work with over 400 buy to let mortgage lenders, representative of the entire UK market
Including specialist lenders for complex cases, large portfolios, and unique property types
Our BTL mortgage experts help landlords like you every day. Benefit from their expertise to get a great deal that fits your investment strategy.
We will not make you choose from a range of quotes. We recommend one cost-effective BTL deal that meets your specific investment needs.
We handle the tedious administration work and chase up lenders and solicitors, so your BTL mortgage completion is completely stress-free.
Most BTL lenders require a minimum 25% deposit (75% LTV). However, we can access lenders offering up to 85% LTV for the right circumstances. We can even arrange 100% finance by securing against other properties in your portfolio.
Typically 125-145% rental coverage, meaning the rent must be 125-145% of the monthly mortgage payment. We know which lenders offer the most competitive ratios. In special circumstances this can be topped up from personal or portfolio income by what's known as "Top Slicing".
Yes, we work with many specialist lenders who understand self-employed income. We'll find the right lender for your income structure.
Not necessarily. We have lenders who accept first-time landlords and even first time buyers, though rates may be slightly higher initially.
Absolutely. We regularly help landlords remortgage to get better rates, raise capital, or switch from interest-only to repayment mortgages.
With our FUNDED system, we can often get decisions within 24 - 48 hours. Full completion typically takes 4-6 weeks depending on the property and legal work.
Join thousands of successful landlords who chose Acorn Finance
Our BTL mortgage specialists are ready to find you the best rates from our panel of 400+ lenders using our proven FUNDED system.
Authorised and regulated by the Financial Conduct Authority
Full member of the National Association of Commercial Finance Brokers
Not all financial products we arrange are regulated by the Financial Conduct Authority. For more information discuss with your broker or contact us.
We are a UK-based brokerage established in 1997 and are not affiliated with any other entity trading as Acorn Finance in the US or historically in the UK.