🏘 Buy to Let Mortgage Solutions by Lionsgate
🔰 First-Time Landlord
Getting started with Buy to Let?
We help you navigate the process from start to finish — from understanding lender criteria and rental income requirements to finding the right interest rate structure (fixed vs tracker). With specialist guidance, you can start your property journey confidently and legally.- 📌 Key Criteria:
- Minimum deposit typically 20–25%
- Rental income must usually cover 125%–145% of the mortgage interest
- Personal income may be required in some cases
🔄 Existing Landlord
Expanding or refinancing your portfolio?
Lionsgate can support remortgages to release equity, reduce monthly costs, or fund additional property purchases. Our advisers compare rates across dozens of BTL lenders, ensuring you don’t overpay.💡 Portfolio landlord?
We’ll help you navigate PRA (Prudential Regulation Authority) rules for landlords with 4+ properties.
🏠 HMO Mortgages (Houses in Multiple Occupation)
Higher yields, greater complexity — we make it simpler. HMO properties can generate more rental income, but lenders have stricter rules. We guide you through licensing, valuation requirements, and finding lenders that support multi-tenant properties.
- 📌 HMO Lending Considerations:
- Minimum number of lettable rooms (usually 3+)
- Property management requirements
- Professional landlord experience may be required
🏢 Limited Company Buy to Let
Investing via a Special Purpose Vehicle (SPV)?
Lionsgate specialises in arranging mortgages for limited company landlords. Enjoy potential tax efficiencies and access to specialist products not available for personal name purchases.- 💼 Benefits Include:
- Corporation Tax advantages (consult your accountant)
- No personal income stress tests (in many cases)
- Easier long-term portfolio structuring
Smart Financial Tools by Lionsgate
Monthly Mortgage Payment Calculator
Estimate your monthly mortgage costs and plan your finances effectively.
This calculator provides a quick estimate of your monthly mortgage repayments based on loan amount, interest rate, and term. It’s ideal for comparing fixed vs variable products, or reviewing affordability on a buy-to-let or residential basis.- Budget accurately for Rental Income vs Mortgage Cost
- Compare different product types or Lenders
- Understand the long-term Cost of Borrowing
Rental Income Calculator
Work out how much rent your property needs to generate to meet lender criteria.
Whether you're a first-time landlord, applying through a limited company, or investing in an HMO, understanding how much rent your property needs to produce is key. Most lenders require a minimum rental coverage ratio (typically 125%–145%) and stress-tested interest rates.- Helps ensure your property investment is viable
- Avoid surprises during lender stress testing
- Essential for accurate yield and ROI planning
Contact LIONSGATE
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Representative example A mortgage of £237,767 payable over 24 years, initially on a fixed rate until 30/09/27 at 5.19% and then on a variable rate of 6.24% for the remaining 22 years would require 26 payments of £1,445.40 followed by 262 payments of £1,583.81. The total amount payable would be £453,653 made up of the loan amount plus interest (£214,772) and fees (£1,114). The overall cost for comparison is 6.1% APRC representative.
Lionsgate investment corp is authorised & regulated by the Financial Conduct Authority. The FCA does not regulate most Buy to Let mortgages.