Remortgage your
Buy-to-let property
75% LTV at 2.99%

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Finance For Your Buy-to-Let Investment

Assetz Finance is a specialist team of Independent Financial Advisers who source the most competitive mortgage deals for the purchase or refinance of UK-based buy-to-let, residential and commercial property.

We offer a comprehensive range of products from across the market including exclusive products not readily available through the High Street, Assetz Finance can find the right mortgage for any circumstance.

We can help with financing new properties, remortgaging existing ones and overcoming difficult circumstances to help develop your property portfolio.

Whether you're an experienced investor or a first-time buyer, Assetz Finance will explore every option to look for the perfect financial solution for you.

We can assist with

New build & development
First time investor
Remortgaging buy-to-let
Student lets
Expats and residents out of the UK
Purpose-built student accommodation
Holiday lets

Best Buy Mortgage Table

New Build and Development

New Build & Development

Mortgage offers on new developments are typically valid for three to six months although some deals will have a specific deadline for completion. When the completion date is longer than six months, buyers will have to risk a deposit before a mortgage can be approved. Buy-to-let mortgages are traditionally 1-1.5% higher than a homeowner's mortgage rate.


First time investor

First Time Investor

Buy-to-let mortgages are only suitable for people who want to invest in houses and flats. You will usually need to own your home, whether outright or with an outstanding mortgage, to be able to get a buy-to-let mortgage.The maximum you can borrow is linked to the amount of rental income you expect to receive. Lenders typically need the rental income to be a quarter to a third higher than your mortgage payment (25-30%).


Remortage buy to let

Remortgaging Buy-to-Let

The most popular reason for buy-to-let remortgaging is to release equity from an existing buy-to-let property in order to put down a deposit on another property. If you own enough of the equity in your property, you could remortgage and release some cash to put down a deposit on a new home. You may also wish to remortgage off a variable rate and onto a fixed rate to protect your investment against future interest rate rises.


Student Investment

Student Lets

Student lets can be split into either purpose-built student accommodation or houses of multiple occupancy (HMOs). You are able to obtain a mortgage for both these types of property. Not all lenders allow students as tenants or allow the offspring of the investor to live in the property. Please see HMOs or purpose-built student accommodation for more information.


Commercial mortgage


Commercial mortgages are used to buy business premises or to buy an existing business in its entirety. Whether it's a mortgage for leisure, retail office, or even agricultural, we have access to the best and lowest commercial mortgage rates. Obtaining a commercial mortgage is based on the ability of your business to make the repayments. We provide free and detailed quotations for any specific property investments.

HMO mortgage


Houses of Multiple occupancy are rental property that may need a dedicated mortgage due to the number of occupants or households within it. Fewer lenders will provide loans for HMOs but we are able track a few that provide HMO finance depending on the number of tenants. The gross rental income must cover at least 150% more than the monthly mortgage payment and larger deposit (35%) is expected.


Ex pats mortgage

Ex-pats and residents out of the UK

British Ex-pats have several choices including our peer-to-peer lending company, Assetz Capital to buy investment property. Applicants must be working abroad in an approved list of countries on a suitable income. Foreign nationals outside of the UK are limited but we can accommodate Chinese Nationals, Singapore Nationals, Hong Kong Nationals via our relationship with the Bank of China.


Student mortgage

Purpose-built student accommodation

Mortgages for purpose-built student accommodation are available through our commercial lenders. The minimum loan amount is £75,000, which is sometimes more than the value of the unit meaning minimum purchase is at least 2 units to obtain a mortgage. Student property mortgages are only available following completion of the purchase via a remortgage.


 Holiday home mortgage

Holiday Lets

The high-street lenders don't like the sporadic nature of the rental income and prefer the security of a six-month assured short-hold tenancy. Assetz Finance is able to obtain mortgages for holiday lettings for experienced investors. Lenders will typically look for gross rental income to be equal to 125%-130% of the mortgage payment. This is available now.


Any property used as security, which may include your home, may be repossessed if you do not keep up your repayments on your mortgage.

Assetz Finance is authorised and regulated by the Financial Conduct Authority, Registration Number: 471878.

Assetz Finance Ltd, Assetz House, Newby Road, Stockport, Cheshire, SK7 5DA.

Tel: 0845 400 8000       Fax: 0161 482 7568

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Risk Warning and Disclaimer:

The price of property can go down as well as up. Historic performance should not be taken as a guarantee of future performance. Geared property investment with mortgages can increase risk of losing money as well as increasing the possible gains. Mortgage products referred to in the website can be withdrawn by the lender or have rates or other terms changed without notice and reference to any products does not imply they are certain to be available in the future. Mortgages referred to may also have certain applicant restrictions and are for indicative purposes only although reasonable endeavours have been used to ensure that they are available at the time of publication and are applicable to a significant number of our purchasers. This site is for information purposes only and nothing on this site should be taken as definitive investment advice for your particular situation without you seeking additional guidance directly from ourselves or from other finance and property professionals. Property particulars on this site do not form part of an offer or contract. The developer and Assetz Property Ltd, whilst endeavouring to ensure complete accuracy in these property particulars, cannot accept liability for any errors. Valuations of property or indicated rents achievable are either estimated or derived from valuations and/or comparables and can change and should not be relied upon without your own additional valuation and research, but we have carried out reasonable endeavours to achieve accurate indications for these figures. All descriptions, dimensions, areas, reference to condition and, if necessary, permissions for use and occupation and their details, are given in good faith as provided by the developer and are believed to be correct. However, these are subject to change, especially, but not wholly, relating to any property that is off-plan or not yet complete. Any intending purchaser should not rely on them as statements or representations of fact but must satisfy themselves by inspection or otherwise as to their accuracy. The onus is on each individual investor to undertake their own due diligence, enquiries and inspections. Where shown, net yields are calculated as rental income less expected service charges less expected ground rent as a percentage of the property price. No void periods, optional letting agent costs, repairs or other costs are deducted. Our standard Terms and Conditions of Sale will apply. E. & O. E.