Buy-to-Let Finance
Mortgage solutions for investment property purchases
Ichiban Capital helps landlords, investors and limited companies access buy-to-let finance for residential investment property across the UK.
Buy-to-let lending is designed for properties purchased to generate rental income rather than for owner occupation. Lenders usually assess the expected rental income, borrower profile, property type and overall investment strategy.
When buy-to-let finance may be suitable
Buy-to-let finance can support:
- First-time and experienced landlords
- Limited company SPV purchases
- HMO investments
- Multi-unit residential blocks
- Portfolio expansion
- Remortgage and capital raising
- Product transfers and rate switching
- Leasehold and freehold investment properties
What lenders usually consider
BTL lenders typically assess rental coverage, borrower experience, credit history, property condition, location and expected rental yield. Many lenders use an Interest Coverage Ratio to assess whether the rental income supports the borrowing.
Additional residential property purchases may also be subject to higher stamp duty land tax charges.
Buy-to-let funding options
We assist in arranging standard individual buy-to-let mortgages, limited company buy-to-let finance, HMO mortgages, multi-unit block finance, portfolio facilities, light refurbishment BTL products, remortgages and product transfers.
Funding may be available for UK residents, expatriates, overseas investors, limited companies, SPVs and trusts, subject to lender criteria.
Support for property investors
Whether you are acquiring your first rental property or restructuring a larger portfolio, Ichiban Capital can help identify suitable lending options and support the application process.
Why Clients Choose Ichiban Capital
Independent & Flexible
We are not restricted by a single institution’s lending criteria.
Experience in Complex Transactions
We regularly support funding where conventional routes are unavailable.
Discretion as Standard
Sensitive transactions are handled confidentially.
Tailored Structuring
Every facility is aligned to the asset, risk profile and exit strategy.
Client Experiences That Speak for Themselves
“Ichiban Capital has been instrumental in our growth. Their team took the time to truly understand our needs and helped us eliminate inefficiencies.”
“Partnering with Ichiban was a game-changer for us. They took the time to understand our challenges and helped us streamline our operations for success.”
“I hired Ichiban Capital for a small project & was very happy. He not only answered all my questions, but he didn’t treat me like a “small project”.
I was very satisfied & would recommend.”
FAQs
What is buy-to-let finance?
Buy-to-let finance is a mortgage or lending facility used to purchase or refinance a property intended to be rented out.
Can a limited company get buy-to-let finance?
Yes. Many lenders offer buy-to-let mortgages to limited companies and SPVs.
Can buy-to-let finance be used for HMOs?
Yes. Some lenders offer specialist HMO and multi-unit block finance, subject to licensing, property type and lender criteria.
You’ll Know What
Ready to Take Control of your Finances?
Our Phone
+44 (0) 203 151 9929
Our Email
info@ichibancapital.com
Address
Hill Street, Mayfair London, W1J 5LW