Acorn Property Desk · Specialist BTL & Portfolio Finance
High-Yield Buy-to-Let Finance for Complex Portfolios, HMOs & SPVs
Whole-of-market access to 400+ lenders. We structure BTL mortgages where high-street banks stall—from Limited Company SPVs to non-resident Expats.
Specialist product matrix
Find a BTL structure built around your deal
Filter ten specialist routes by property, ownership, residency or affordability profile.
Showing 10 of 10 products
🏘️ SUI GENERIS & ARTICLE 4
HMO Mortgages (Small & Large)
- Small HMOs up to 6 beds and Sui Generis properties with 7+ beds
- Commercial yield-based valuations accepted
- Article 4 zones funded
🏢 TITLE SPLITTING
Multi-Unit Freehold Blocks (MUFBs)
- Up to 20+ units on a single freehold title
- High-LTV options
- Title-splitting strategies to release 20–40% equity
🛡️ SECTION 24 TAX MITIGATION
Limited Company (SPV) BTL
- Newly formed SPVs and trading companies
- Intercompany loan setups
- More generous ICR testing than personal ownership
📊 PORTFOLIO HEALTH CHECK
Portfolio Landlords (4+ Mortgaged BTLs)
- Consolidation across 4–40+ units
- Portfolio equity release for new acquisitions
- Whole-portfolio stress-test optimisation
🌍 FOREIGN CURRENCY INCOME
British Expats & Overseas Residents
- UK passport holders living abroad
- USD, EUR, AED and ZAR income accepted
- Manual underwriting with no automated declines
🛂 NON-RESIDENT SPVs
Foreign Nationals (Non-UK Passport)
- Non-UK residents investing in UK property
- SPV limited company structures accepted
- No UK credit footprint required
🏠 FIRST-TIME LANDLORDS
Standard Vanilla Buy-to-Let
- Up to 85% LTV
- Single ASTs and no minimum income limits
- First-time landlords and first-time buyers accepted
🏖️ AIRBNB / SHORT LETS
Holiday Let & Serviced Accommodation
- Projected seasonal agency income used for affordability
- Personal usage allowed
- High gross-yield structures
☪️ INTEREST-FREE / DIMINISHING MUSHARAKA
Sharia-Compliant Ethical BTL
- Co-ownership and lease-to-own arrangements
- Open to investors of any faith
- No compounding interest or hidden fees
💡 ICR SHORTFALL COVER
Top-Slicing BTL Mortgages
- Use personal income to bridge rental yield gaps
- Designed for lower-yielding, high-value areas
- Supports London and South East acquisitions
Interactive ICR calculator
Stress-test rent and top-slicing capacity
Model rent-based borrowing against an indicative 75% LTV target, then see any annual income surplus needed to bridge the gap.
Live affordability
125% ICR at 5.5%
- Max borrowing from rent alone
- £384,000
- 75% LTV target loan
- £300,000
- Monthly rental deficit
- £0
- Annual surplus salary needed
- £0
The entered rent supports the indicative 75% LTV target without top-slicing.
Indicative planning tool only. Calculations use interest-only stressed payments and do not include product fees, tax, living costs or lender-specific affordability deductions.
Featured guides & masterclasses
Build the strategy behind the mortgage
Deep-dive guides for ownership structure, tax planning and value-add acquisitions.
Specialist lending questions
Buy-to-let finance FAQs
Straight answers on stress testing, HMOs, portfolio classification and overseas ownership.