Tailored Lending Solutions for Property Investors & Landlords

Whether you’re purchasing your first rental property, refinancing an existing portfolio, or growing into complex multi-unit investments, JMS Private Clients offers expert advice and market-wide access to deliver the most competitive and strategic Buy to Let (BTL) mortgage solutions for your investment goals.

What is a Buy to Let Mortgage?

A Buy to Let mortgage is a type of loan specifically designed for individuals or companies looking to purchase residential property with the intention of renting it out. These mortgages are assessed differently from residential mortgages, focusing on rental income potential rather than just personal earnings.

Who Are Buy to Let Mortgages For?

✅ Aspiring and experienced landlords

✅ Portfolio landlords with 4+ mortgaged properties

✅ Limited company (SPV) property investors

✅ HMOs, MUFBs, and semi-commercial landlords

✅ Expats and foreign nationals investing in the UK

Buy to Let for Limited Companies (SPVs)

In recent years, many investors are choosing to structure their portfolios under a Special Purpose Vehicle (SPV) due to tax efficiencies and flexible borrowing options.

✅ Access to higher gearing and better tax planning

✅ Separate legal entity offers liability protection

✅ Wide choice of BTL lenders who support SPV borrowers

✅ Suitable for growing portfolios and refinancing strategies

We’ll help you set up or use an SPV and guide you through lender requirements.

Specialist BTL Options We Advise On

✅ Houses in Multiple Occupation (HMOs)

✅ Multi-Unit Freehold Blocks (MUFBs)

✅ Semi-commercial properties

✅ Holiday lets and Airbnb-style properties

✅ Student lets

✅ Ex-local authority properties

✅ Expat and foreign national lending

✅ BTL portfolio refinance & restructuring

Why Choose JMS Private Clients?

✅ Whole-of-market access to leading and specialist BTL lenders

✅ Experienced advisers who understand complex portfolio needs

✅ Personalised finance structuring based on your investment strategy

✅ Support for first-time landlords through to professional investors

✅ Fast turnaround with priority service for time-sensitive purchases