Landlord Mortgages

RLA mortgages provide a wide range of specialist landlord mortgage products offering value for money when it comes to buy-to-let, HMO’s, multi units on 1 title, limited companies, semi commercial and commercial investment property mortgages.

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What do I get?

RLA Members get a reduced brokerage fee of £295:

  1. Exclusive mortgage deals not available on the open market
  2. Source your own deals and get a wider choice
  3. Get an Agreement In Principle, with no obligation to buy
  4. Use our instant mortgage and rent calculators
  5. Get funding of up to 85% of the property loan value

Our mortgage brokers have access to a vast portfolio of Buy To Let mortgage products (many of which are not available in the general marketplace), commercial mortgages and development finance.

Source your own mortgage products at or call an advisor on 0844 858 4420

HMO (House in Multiple Occupancy)

A number of lenders have entered into the HMO market. Each lender tends to have a different approach in respect what is and what is not an acceptable HMO client and property.

Read more about HMO (House in Multiple Occupancy)

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Semi/commercial investment property

A number of challenger banks have entered into the commercial funding market with a number of the lenders accepting interest only as a repayment vehicle.

Read more about Semi/commercial investment

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Multi units on one title

A number of lenders have entered into the multi-unit on one title market. Each lender has a different approach from the number of self-contained units.

Read more about Multi units on one title

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Limited Company

A number of lenders have entered into the limited company market. All lenders accept an SPV (special purpose vehicle) limited company set up for the sole purchase of property related transactions.

Read more about Limited Company

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Short term lending

A number of lenders have entered into the bridging market. The products tend to be used for speedy transactions and for security.

Read more about Short term lending

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Latest Mortgages News

Sourcing Your Buy-To-Let Mortgage

Doug Hall, Director at 3mc explains how you can source your Buy-To-Let Mortgage. ... more

When is a HMO not a HMO?

Houses in multiple occupation (HMOs) have become increasingly popular as property investors look to maximise yields on their portfolios. It’s easy to understand the attraction of HMOs to investors. Multiple tenants generate... more

5 yr BTL fixed rate with limited lender set up fees - 3.65%

If you're looking for finance on your next buy-to-let remortgage or buy-to-let purchase then this product with limited set up fees could be just the solution. The mortgage has the following features: Available for the purchase and remortgage of rental property 3.65% Fixed... more

How much is my mortgage?

See how much you can save on repayments by trying our online mortgage calculator. ... more

Leveraging and growth strategy

“Leveraging”, the practice of an investor purchasing more of an asset using borrowed funds, is flourishing once more. With a more buoyant economy and greater confidence amongst investors, leveraging is a... more

RLA Mortgages - it's easy, quick and simple...

RLA Mortgages is operated exclusively for the RLA by 3mc, which is authorised and regulated by the Financial Conduct Authority. FCA No. 302992. ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Although the FCA regulate the way the majority of mortgages are sold, in most cases they do not regulate buy to let mortgages. This means you may have less protection if things go wrong with a buy-to-let mortgage. All calls are recorded for training and monitoring purposes.

Terms and Conditions

Please note that any contract for the supply of goods/services will be made between you and the provider of the goods/services; not with the Residential Landlords Association Limited or any of its associated companies. The RLA has no liability in relation to any contract entered into by you as the RLA only acts as in introducer