Appointed representative of CMME Mortgages and Protection Ltd · FRN 414798 Brokers, not lenders · Whole of UK
CFS Craddock Financial Solutions Book a call
Not FCA regulated

Buy to let

Portfolio lending is a criteria game. Stress rates, background portfolio tests and company structure decide the answer long before the property does.

Structures Personal, Ltd, SPV, LLP
Portfolio size 1 to 50+ units
Property types BTL, HMO, MUFB
Regulated Generally not

What we arrange

01 Single buy to let purchases and refinances in personal or company name
02 Limited company and SPV lending, including new incorporations
03 HMOs and multi-unit freehold blocks, licensed and unlicensed
04 Portfolio landlords over four properties, where background testing applies
05 Semi-commercial units — flat over shop, and mixed-use titles
06 Top-slicing and rental-shortfall cases where personal income supports the loan

Questions we get asked

Limited company or personal name?

It depends on tax position, how long you intend to hold, and what it does to your borrowing capacity in five years' time. It is a modelling exercise, not a rule of thumb.

I have more than four properties. Is that a problem?

It makes you a portfolio landlord, so lenders stress-test the whole portfolio, not just the new property. Presentation of the schedule matters enormously — that is our job.

Can I buy a property that needs work?

Yes, usually via bridging and then a refinance onto term once it is habitable and let. We arrange both halves so the exit is agreed at the start.
Adding to the portfolio? An honest view on whether it can be funded, and roughly on what terms. No credit search.
Book a call

Commercial and most buy to let lending is not regulated by the Financial Conduct Authority. Craddock Financial Solutions Ltd is an appointed representative of CMME Mortgages and Protection Limited, authorised and regulated by the Financial Conduct Authority, FRN 414798. We are a broker, not a lender; all lending is subject to status and lender criteria.