Specialist Buy To Let

MAC Commercial Finance

Investing in buy-to-let properties requires the right financing to maximise returns and grow your portfolio. At MAC Commercial Finance, we specialise in tailored buy-to-let mortgage solutions, helping landlords and investors secure the best funding for residential rental properties.

Businessman with coins and house models. Invest house property market

Years
of experience

Commercial Mortgages

We can help you secure your Specialist Buy To Let

Whether you're a first-time landlord or an experienced investor, finding the right buy-to-let mortgage is key to long-term success. We offer competitive rates, flexible terms, and expert guidance to help you finance rental properties and maximize your investment potential.

Projects Done

Trusted Lenders

Compliant

Our company benefits

Why choose us for your Specialist Buy To Let

At MAC Commercial Finance, we provide expert guidance and access to a wide range of lenders, ensuring you secure the best buy-to-let mortgage for your investment needs. With competitive rates, flexible terms, and a seamless application process, we make property investment easier and more profitable for landlords and investors.

Wide Panel Of Lenders

Access to a wide panel of lenders, ensuring competitive rates and terms.

Expert Advice

Expert advice to guide you through every stage of the financing process.

Easy Application Process

A seamless application process, reducing hassle and delays.

couple house property agent home estate realbuying investment real estate apartment handshake

what we’re offering

Providing all the specialist buy to let solutions you need

Our Process

Get Your Specialist Buy To Let With Our 3 Step Process

Initial Consultation

We start with a free consultation to understand your financing needs, business goals, and property details. Our experts assess your requirements and provide tailored advice on the best commercial mortgage options available.

Enquire now

Application & Approval

Once you've selected a mortgage, we handle the application process, working closely with lenders to ensure a smooth and efficient approval. Our team assists with documentation and negotiations to secure the best possible terms for you.

Enquire now

Completion & Funding

After approval, we finalise the paperwork and coordinate with all parties to complete the transaction. The funds are then released, allowing you to proceed with your property purchase, refinance, or investment confidently.

Enquire now

Get in touch

Ask any question and our team will get back to you

Our FAQs provide answers to common questions about specialist buy to let, helping you understand the process, requirements, and financing options available. If you have additional questions or need personalised advice, our team is here to assist you—contact us today!

What is a buy-to-let mortgage?

A buy-to-let mortgage is a loan designed for landlords and property investors who want to purchase a property to rent out. These mortgages typically require a larger deposit and are assessed based on the property's rental income rather than just personal income.

How much deposit do I need for a buy-to-let mortgage?

Most lenders require a deposit of at least 25% of the property's value, though some may offer loans with a lower deposit. The deposit amount can vary depending on your financial profile and the lender's criteria.

Can I get a buy-to-let mortgage as a first-time landlord?

Yes, some lenders offer buy-to-let mortgages for first-time landlords, though you may need to meet stricter lending criteria. Having a strong credit history and a stable financial background can improve your chances of approval.

How is affordability assessed for a buy-to-let mortgage?

Lenders assess affordability based on the rental income of the property, typically requiring the expected rent to cover at least 125%-145% of the mortgage repayments. Some lenders may also consider personal income, especially for first-time investors.

Can I get a buy-to-let mortgage as a limited company?

Yes, many lenders offer buy-to-let mortgages for properties purchased through a limited company, which can provide tax benefits for some investors. However, mortgage rates and lending criteria may differ from individual buy-to-let mortgages.