Landlord Mortgages

Starting out as a landlord or expanding your portfolio we’ve helped 100s landlords get the best mortgage market deals.

  • First Time Buyer / landlord

  • Don’t Sell – Let to Buy or Move

  • No limits on number of properties

  • 85% Lending on BTL

  • Ltd co / HMO / MUFB / Hol Lets

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We Also Help

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    Day 1 Ltd co lending
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    Tax Structuring
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    Low or Zero proven income

First Time Landlord with ZERO deposit saved

You don’t need a savings pot to become a landlord, you may already be sitting on the deposit.
By unlocking equity in your main home, you can fund your first buy-to-let purchase. For many first-time landlords, the journey begins with the home they already own.

Features

  • Let your home to buy another

  • Release equity to fund a Buy To Let

  • Buy Auction or Renovation property

  • Ltd co Day 1 mortgages

  • Let existing home to change Country/Job

Case Study

Chloe, a finance professional, had £150k equity but no savings for a new home. By arranging a Let-to-Buy on her current home, we released £50K enough capital for 10% deposit & improvements on her onward purchase. She kept her first property as a 75% LTV buy-to-let and secured her new home at 90% LTV — becoming a first-time landlord and a second-time homeowner with ZERO deposit saved.

Experienced Multi £m Portfolio Deals

Big portfolios need big-picture expertise — and no deal is too large. We advise on multi-million-pound refinancing, tax-efficient restructuring, and capital raising across portfolios. Whether you’re expanding, reshaping, or optimising your holdings, we support your strategy for long-term success.!

We support:

  • Multi £M Portfolios £10M +

  • Unlimited Number Properties

  • Tax Structured Financing

  • Complex Property; HMO, MUB, Semi-Commercial

  • Complex Ownership; Offshore, Expat, Trusts, SSAS, SIPPs

Case Study

Martin, a professional landlord in the North West, owned 35 properties in his personal name. Working alongside tax specialists, we transferred the entire portfolio into a Ltd Company structure without triggering additional Stamp Duty, while simultaneously raising £500,000 for improvements and further purchases — giving him a cleaner, more tax-efficient setup and fresh capital to scale.
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LTD Co, HMO, MUFB & Semi Comm deals

We specialise in complex structures and specialist properties. From offshore SPVs to HMOs, multi-unit blocks, semi-commercial assets and heavy refurbs, we handle the deals many brokers avoid — sourcing the right lenders and finance strategy to maximise returns.

We Help

  • Portfolios in Complex owner structures

  • Bridging / Development Exit finance

  • HMO & MUFB refurb and purchases

  • Semi-comm,  Commercial, Hybrid mixed

Case Study

An offshore SPV acquired a multi-unit block (MUB) for conversion into 25 student apartments. After the development was completed, we secured a £3.5m remortgage on a £4.8m valuation, allowing the SPV to clear the development finance, release £350,000, and lock in a long-term product delivering an impressive 18% annual ROI.

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UK FCA Regulated, Qualified & Licenced Advisory

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Safe Data Storage & GDPR Compliant

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Utilising Expert Industry Grade Software

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We aim to find you a solution in 1-2 working days

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We promise NO Broker Fees if we cannot help.

Next Steps:

  • Request a call / Get quote

  • Apply for Approval In Principle (AIP)
  • i

    Make full application
l Get A Quick Quote
l Book A Call

Simon Murphy
Founder at
MymortgageDeal.co.uk

About Us

At MyMortgageDeal, we advise on tens of millions of pounds’ worth of mortgages every year, helping clients with complex needs, across the UK and in 200+ countries to secure the right deal with confidence.

Our highly experienced team combines deep market expertise with the power of the Connect IFA Network, giving you access to exclusive mortgage offers & rates often not available to the open market.

Additionally, we use the latest bespoke technology to match your circumstances & criteria with market deals in seconds, our goal is to save you time, stress and frustration. Whether you’re buying, remortgaging, or investing, we make the complex simple, so you can move forward with clarity and confidence.

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