Landlord Mortgages

RLA mortgages provide a wide range of specialist landlord mortgage products offering value for money when it comes to buy-to-let, HMOís, 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

The Buy-to-Let remortgage myth

There is an urban myth amongst some buy-to-let landlords and brokers that a rental property cannot be remortgaged within six months of purchase. Not true. The reality is that although many (but not all) mainstream buy-to-let lenders wonít allow a property to... more

2 Year fixed rate at 2.65% - available to 75% Loan to Value

If you're looking for finance on your next buy-to-let and wish to fix your payments, here's a new mortgage deal you may find of interest. This product is available for both remortgages and purchases. The mortgage has the following features: Available for... more

Well, what year it has been for the buy-to-let market!

After a second year of strong growth in 2014 year (growing by around 30% on the previous year to £27.4bn), as we entered 2015 I couldnít help thinking that buy-to-let lending had finally recovered from the beating it took during... more

Owning property within a limited company

The Chancellorís announcement in the summer Budget that he intends to reduce the tax relief available to wealthier landlords to 20% from April 2020, has certainly set a number of hares running. In response, some investors are considering purchasing, and even... more

Lifetime tracker BTL product launched for both purchase and remortgage - Rental coverage at pay rate!

If you're looking for finance on your next buy-to-let property but are having challenges with lenders who have a minimum rental requirement then take a look at the below BTL product which is available through RLA Mortgages. The mortgage has the... 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