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07813 068 012

BTL Mortgages

Create Commercial offers flexible Buy-to-Let mortgage solutions, independent of high street banks, delivering fast decisions, competitive rates, and bespoke funding tailored to property purchases, portfolio expansion, refinancing, or other investment needs.

Our BTL Specialisms

We arrange financing for a diverse range of structures and asset types, including:

  • Limited Company (SPV) BTLs: Expertly navigated for tax-efficient purchasing and refinancing.
  • HMOs & Multi-Unit Blocks (MUFBs): Funding for everything from standard 4-bed HMOs to large-scale, 6+ bedroom licensed properties.
  • Portfolio Refinancing: Holistic reviews of your existing debt to improve cash flow and release equity for new acquisitions.
  • Holiday Lets & Short-Term Rentals: Using specialist lenders that calculate affordability on seasonal income (High/Medium/Low) rather than standard AST figures.
  • Expats & Foreign Nationals: Providing UK investment opportunities for residents living and working abroad.
  • First-Time Landlords: Dedicated support for those taking their first step into the property market.
  • Social Housing & Supported Living: Specialised funding for properties with long term leases to housing associations and local authorities, utlising investment based valuations to maximize leverage.

GET STARTED

Speak to a BTL Mortgages expert today...

CASE STUDIES

Don't just take our word for it

Join hundreds of happy customers and discovering commercial finance knowledge that works for You

Stars

"I can’t recommend Gindy and Lizzie highly enough. Gindy’s knowledge of commercial finance is second to none, and Lizzie’s organisation and communication ensure nothing is ever missed. They make what can be a complex process feel straightforward and manageable."

- C Monk

Stars

"The team at Create Commercial Finance is truly in a league of their own. Gindy and Lizzie possess a profound understanding of the mortgage market that is essential for any serious investor. They don't just find products; they understand the nuances of portfolio growth and business financing. Their service is seamless, their knowledge of the lending landscape is top-tier, and I wouldn’t hesitate to recommend them to anyone looking to scale their property portfolio."

- R Anderson

Stars

"I can honestly say I wouldn’t be where I am without Lizzie and Gindy. From day one, they didn’t just act as mortgage brokers — they became a huge source of guidance and support for me. They’ve helped me through multiple deals, including ones that fell through, and at no point did they ever make me feel like I was “just another client. "

- Logan Crossfield

Stars

"I’ve been working with Create for the past few years for my buy-to-let mortgages and bridging loans, and they are by far the best broker I’ve come across. Their service is consistently fast, efficient, and completely transparent. "

- A Brown

Stars

"I recommend them to everyone, and they have never let me down. They are professional, reliable, and absolutely trustworthy. I can’t recommend them highly enough. "

- D Twenefour

Contact Us

If you have a commercial or specialist finance requirement, you can use our form to submit an enquiry or alternatively get in touch with a member of the team.

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hello@createcommercialfinance.com

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07813 068 012