Specialist

85% LTV Buy to Let Mortgages

For Remortgaging & Buying Investment Property In The UK

85 LTV Buy To Let Mortgages

Clifton private finance

We can source mortgage finance for buy to let properties in the UK: from £150,000

We offer creative solutions for landlords who wish to purchase or remortgage buy to let properties.

***please note that in the current market and due to changes in minimum lending criteria, we're no longer able to source 85% LTV Buy to Let mortgages. 

As soon as 85% LTV BTL mortgages come back on the market, we will update this page.

Our buy to let mortgage service provides:
  • Buy to let mortgages from £150,000
  • Market leading rates
  • Up to 75% LTV
  • 2nd charge options for raising finance
  • Expertise in dealing with buy to let portfolios, Limited companies using retained profits
  • Specialist portfolio finance products for landlords with more than 4 properties
  • Interest roll up product options
  • Landlord light & heavy refurbishment finance available on attractive terms
  • UK expat, non-dom and foreign national landlord mortgage finance available
  • We can help if you have multiple buy to let properties, Multi-unitHMOs, AirBnBs, student lets and complex structures
  • Fast professional service. We understand that sometimes finance needs to be arranged quickly!

Buy To Let

Up to £2m

2.7% APR

2 Year Fixed

Subsequent rate 8.09%

LTV - 75%

APRC 7.6%*

Product fee 3% 

Max 10 Properties

Early redemption charges

As at 29th December 2025

Buy To Let

Remortgage

3.44% APR

5 Year Fixed

Subsequent rate 7.99%

LTV - 65%

APRC 6.8%*

Product Fee 3%

Max 10 Properties

Early redemption charges

As at 29th December 2025

Buy & Refurb

1 to 12 Months

0.60% pm

1 to 12 months

Purchase & refurb

LTV - 60%

Buying & Renovating

Conversions

Auction Purchase

As at 29th December 2025

Contact Us

Thank You for your interest - please complete the form below and a member of our team will be in contact.


Through our market knowledge we can deliver bespoke terms based on your requirements.  
Call our buy to let team on  0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

£2.2M Buy-to-Let Mortgage for Dubai Expat Investment Property
£2.2M Buy-to-Let Mortgage for Dubai Expat Investment Property
Area
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Capital Raised
£2.2M
Date
December 2025
Let to Buy Mortgage Case Study – Buying without Selling
Let to Buy Case Study – Buying without Selling
Area
Middlesex
Capital Raised
£318k + £455k
Date
February 2025
HMO Mortgage for LLP to Secure Buy to Let in Swansea
HMO Mortgage for LLP to Secure Buy to Let in Swansea
Area
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Capital Raised
£300k
Date
May 2024

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85% LTV Buy To Let Mortgage Service

How we can help

We are experienced in helping landlords with complex proposals and ownership structures, and can help with more than just standard buy to let.

Offering up to 75% LTV and interest-only options, we can help in sourcing finance for converted and purpose-built HMOs – with investment value being considered.

We also could help with large portfolio cases where properties are on either a single freehold or in multiple locations.

Call Clifton Private Finance

One of our specialist buy to let mortgage advisors will be happy to discuss your requirements with you:

0203 900 4322

What Our

Clients Say

Latest

Property Finance Deals & Insight

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Get in Touch

If you have any questions about our services or want to start making things happen please contact us