Buy To Let Mortgages - Willow Private Finance

Buy-to-Let Mortgages for Landlords & Investors

Your Ideal Investment Mortgage, Sourced from Hundreds of Lenders

At Willow Private Finance, we make financing your buy-to-let property clear, efficient, and tailored to your portfolio goals.

As an FCA regulated Mortgage Specialist, we’re not just here to secure your buy-to-let mortgage—we give you access to lender options you won’t normally find on the high street.

Our direct relationships often mean sharper rates, more flexible terms, and a streamlined process designed for landlords and investors who want their property finance handled properly.

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At Willow Private Finance, we’ve been helping landlords and property investors build and refinance buy-to-let (BTL) portfolios since 2008.

Whether you’re acquiring your first rental, restructuring to improve cash flow, or scaling into HMOs, MUFBs or limited-company/SPV structures, our approach is personal, proactive and results-oriented.

We navigate lender criteria, stress rates and evolving regulation—from interest-only options to portfolio underwriting and EPC/“green” considerations—so your finance aligns with yield, tax efficiency and long-term growth. UK-based, expat or investing from overseas, we simplify the process and deliver tailored funding that moves your strategy forward.

BTL Investment & Yield Calculator

Maximising the performance of a property portfolio requires a forensic approach to financial modeling.

Our Buy-to-Let (BTL) Simulation Suite is designed for the sophisticated investor, moving beyond simple yield calculations to incorporate the critical Interest Cover Ratio (ICR) and Lender Stress Tests that define current UK lending criteria. Use this tool to evaluate potential acquisitions, calculate your estimated Stamp Duty liability, and determine if your rental projections meet the stringent requirements of specialist and private banks.

BTL Investment & Stress Suite

Willow Private Finance | Professional Landlord Tools

Property Acquisition

PURCHASE PRICE (£)

DEPOSIT (£)

Rental & Finance

ESTIMATED MONTHLY RENT (£)

INTEREST RATE (%)

LENDER STRESS RATE (%)

*Interest-only is standard for BTL calculations.

Gross Annual Yield

ICR: Pass

Monthly Interest (Only): £0

Est. Stamp Duty (BTL): £0

Stress Test Cover: 0%

Net Monthly Cashflow: £0

BTL lending is largely unregulated. ICR requirements vary by tax bracket (125% for basic, 145% for higher rate).

Note: This calculator is for illustrative purposes only and does not constitute financial advice or a formal offer of lending. Borrowing limits and interest rates are subject to status, credit checks, and full underwriting by the lender. Your home may be repossessed if you do not keep up repayments on your mortgage.

Need An Overview Of The Buy To Let Market?

What’s the Difference Between a Residential and Buy-to-Let Mortgage?

Buy-to-Let Mortgages for Landlords & Investors

BTL Investment & Yield Calculator

BTL Investment & Stress Suite

Property Acquisition

Rental & Finance

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