Services — London

Buy-to-Let Finance
in London

London's buy-to-let market attracts domestic and international investors seeking portfolio growth in the capital. Rental yields remain competitive across central and outer London zones.

Ichiban Capital advises FCA-regulated landlords on portfolio mortgages with access to 350+ BTL specialists. 48-hour decisions support rapid deployment in London's competitive lettings market.

FCA Approved
Terms in 48 Hours
~350 Lenders
41+ Years Experience
London
London
Finance Built for London

London landlords managing single or multi-property portfolios need specialized BTL financing. Ichiban Capital provides access to 350+ lenders offering competitive BTL rates, portfolio underwriting, and HMO/holiday-let options. Our FCA-approved advisors understand London's rental market, deposit caps, and affordability regulations.

41+
Years Experience
~350
Lending Establishments
48hr
Indicative Terms
Our Philosophy

What We Can Support

London buy-to-let investors benefit from multiple mortgage structures designed for portfolio growth. Competitive rates, portfolio lending discounts, and rapid decision-making support your lettings strategy.

  • Standard BTL mortgages, 5–25yr terms
  • Portfolio lending with simplified underwriting
  • HMO mortgages for multi-occupancy properties
  • Holiday-let and short-term rental finance
  • Limited company BTL structures
  • Portfolio refinancing available
  • Rent-based affordability assessment

BTL rates dependent on rental income, property valuation, applicant credit, and lender criteria. Portfolio discounts available from 2+ properties.

Schedule a Call
Independent Advisory
+

Ichiban Capital's London BTL specialists understand regulatory changes, deposit requirements, and tax implications. We guide landlords through FCA affordability rules and ensure compliant structures.

Transparent Structures
+

We detail all rates, terms, and fees upfront. Portfolio lending discounts are clearly quoted. No surprises—just transparent London BTL mortgages.

Professionals Only — No Sales Pressure
+

We advise based on your portfolio goals, not sales targets. Whether expanding your London lettings portfolio or optimizing existing mortgages, we guide without pressure.

Our Services

Types of Buy-to-Let Finance
We Offer in London

01
Residential Buy-to-Let

Mortgages for buy-to-let investors focusing on residential rental properties

02
Portfolio Expansion

Financing to grow your portfolio with flexible terms for established investors

03
Refinancing

Refinance existing mortgages to improve terms or release equity for reinvestment

And much more — speak to our team.

Explore All Options
How It Works

Getting Started
is Straightforward

Make an Enquiry
Step 1
Submit Enquiry

Portfolio review and affordability assessment

Step 2
Initial Discussion

Property selection and rental analysis

Step 3
We Source Funding

Mortgage application to 350+ BTL lender panel

Step 4
Completion

48-hour BTL decision and completion

Common Questions

Your Questions Answered

Speak to Our Team

Everything you need to know about Buy-to-Let Finance in London.

What rental coverage ratios are required?+

Typically, monthly rental income must be 125-145% of the monthly mortgage payment.

Do you consider adverse credit history?+

Yes, we consider applications with adverse credit if the underlying property fundamentals are sound.

What deposit is required?+

Deposits typically range from 15-40%, depending on property type and lender criteria.

Can I use rental income from other properties?+

Yes, we can consider combined portfolio rental income in your application.

Do you offer interest-only mortgages?+

Yes, interest-only is available from many lenders on our panel, subject to a clear repayment strategy.

Can I finance HMOs or multi-lets?+

Yes, we have specialist lenders who finance HMOs, multi-lets, and serviced accommodation.

Is portfolio lending available?+

Yes — we arrange portfolio mortgages that cover multiple properties under a single facility.

What is the maximum number of properties you can finance?+

There is no upper limit — we work with portfolio landlords holding hundreds of properties.

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