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Sullivan Ventures

Property Finance

Buy-to-let finance for growing portfolios and single properties.

Limited company, HMO and portfolio lending structured around how landlords own and grow property.

Facility
£50,000 to £10m
Term
To 30 years
Speed
To 80% LTV
Security
Individual, SPV or portfolio
What it is

Most portfolio landlords now buy through a limited company SPV, and lender pricing on SPV borrowing has moved increasingly close to personal-name rates. We arrange buy-to-let finance for SPVs, HMOs, multi-unit blocks, holiday lets and serviced accommodation, up to 80% LTV and over terms as long as 30 years, through specialist lenders rather than relying solely on the high street.

Affordability is assessed on rental cover against a stressed pay rate, typically between 125% and 145% depending on tax status and product type. That stress test, rather than the headline interest rate alone, is often what determines how much you can borrow.

For growing portfolios, refinancing can also release equity from existing properties to provide capital for the next acquisition. That cycle of acquiring, refinancing and reinvesting is where much of our buy-to-let work sits.

Who it suits
  • You hold or plan to acquire investment property through a limited company SPV.
  • You own or are acquiring HMOs, multi-unit blocks, holiday lets or serviced accommodation.
  • You want to refinance existing property and release equity for your next acquisition.
  • You are building or restructuring a growing property portfolio.
  • You are an expat landlord who falls outside standard high-street lending criteria.

Most buy to let mortgages are not regulated by the Financial Conduct Authority. Where a regulated agreement is required, we will introduce you to an authorised firm.

Enquire

Talk to us about btl mortgages

Indicative terms in as little as 24 hours. Confidential, and no cost to you.

Confidential. We respond within one business day.

Call 07710 048050
How it works

From first call to funds drawn.

  1. 01

    Conversation

    We take the property type, the ownership structure and the rental figures.

  2. 02

    Terms

    Indicative LTV and rate, with the rental stress test worked through openly.

  3. 03

    Valuation

    A valuation and a rental assessment confirm the borrowing figure.

  4. 04

    Completion

    The facility completes, releasing equity for the next purchase where planned.

Common questions

The questions we're asked most about btl mortgages. If yours isn't here, ask us directly.

For most portfolio landlords the tax treatment favours an SPV, though it is a question for your accountant. Lender pricing on SPV lending is now close to personal-name rates.

On rental cover against a stressed pay rate, typically 125% to 145% depending on tax status and product type.

Yes, including large HMOs, multi-unit blocks and serviced accommodation, through specialist lenders rather than high street ones.

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