Buy to Let Mortgage Solutions by Lionsgate
We provide specialist mortgage solutions for landlords at every stage, from first time investors to experienced portfolio owners.
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
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 Buy to Let lenders, ensuring you don’t overpay.
Portfolio landlord?
We’ll help you navigate Prudential Regulation Authority rules for landlords with four or more properties.
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 three or more
• Property management requirements
• Professional landlord experience may be required
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
Risk Warning
The Financial Conduct Authority does not regulate most Buy to Let mortgages.