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Looking to invest in property? Option Finance offers expert advice and access to competitive buy-to-let mortgage deals whether you’re a first-time landlord or building a portfolio.
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At Option Finance, we believe property investment shouldn’t be out of reach no matter your credit history. That’s why we specialise in helping landlords secure the right buy-to-let mortgage, combining expert financial guidance with a personal approach that puts your goals first. Whether you’re building a portfolio or buying your first rental, we’re here to help you move forward with confidence.
Thinking of investing in property but worried about your credit history? You’re not alone and you’re not out of options. At Option Finance, we support landlords with complex credit backgrounds, including CCJs, defaults, IVAs, and even discharged bankruptcies. While other lenders might say no, we specialise in finding a way forward. Discover how our tailored buy-to-let solutions can help turn your investment plans into reality.
Limited Company Buy-To-Let Mortgage: The Complete Investor's Guide Ltd company Buy to Let mortgage, what are they and who can use them. As the landscape of property investing continues to evolve in the UK, more landlords are turning to limited company buy-to-let...
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At Option Finance, technology doesn’t replace the personal touch—it enhances it. We use smart tools to handle the admin, so our team can focus on what really counts: listening to your story, understanding your needs, and securing the mortgage that’s right for you. Real people. Real support. No shortcuts.
At Option Finance, we specialise in mortgages for complex credit scenarios. Our team works with all major bad credit lenders and has access to exclusive deals that aren’t available on the high street.
Understanding one’s credit report from a credit reference agency can help in securing a mortgage.
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A buy-to-let mortgage is designed for those buying a property to rent it out. It works similarly to a standard mortgage you put down a deposit and borrow the rest from a lender but the criteria, rates, and deposit requirements are often different. Most lenders will require a deposit of at least 25% and assess the rental income potential of the property.
Unlike residential mortgages, buy-to-let borrowing is primarily based on rental yield. Lenders want to see that the rental income will not only cover the mortgage repayments but also an additional 25%–45% buffer to allow for taxes, insurance, and maintenance.
If you’re buying through a limited company, lenders may also assess your business finances. A higher rental yield and strong financials can increase your borrowing potential.
The bigger your deposit, the better the rate. While 25% is the minimum, putting down 40% will reduce your loan-to-value (LTV) to 60% which can unlock much more competitive deals.
Yes and we can help you get the right one. While each lender has their own criteria, most will look at:
Tax plays a big role in buy-to-let profitability. If you own another property, you’ll usually pay a second-home stamp duty surcharge:
You may also pay income tax on rental profits and Capital Gains Tax when selling. If in doubt, speak with a tax advisor to plan your investments wisely.
Yes. When your current deal ends, your lender usually moves you to their standard variable rate (SVR), which is often higher. Remortgaging could save you money and free up equity.
Whether you stay with your current lender (product transfer) or switch to a new one, Option Finance can compare all your options and guide you to the most cost-effective solution.
Buy-to-let mortgage rates can change quickly. If you’re planning to invest or already have a property now is a great time to review your options.
