Buy to Let Property Finance
Secure high-leverage BTL mortgages with expert brokerage. Access 80% LTV, exclusive rates, and 24-hour DIPs to scale your property portfolio faster.
HMO & Portfolio Finance
Buying a buy-to-let property with multiple tenants needs specialist expertise. Unlike high-street lenders, Rainstone money arranges finance for HMOs, Multi-Unit Blocks, and larger portfolios. We connect your property with lenders who understand complex yields, so you’re not restricted by standard banking limits or small-portfolio caps
Market-Leading Leverage
Secure up to 80% LTV when buying a buy-to-let property, allowing you to minimise initial capital outlay and maximise your total investment ROI.
Rapid Offer Turnaround
Secure your next buy-to-let house with 24-hour Decisions in Principle and a streamlined application process designed for the fast-paced property market.
Specialist SPV Structuring
Access expert lenders for Limited Company purchases, ensuring your buy-to-let property strategy remains tax-efficient.
Portfolio Growth
As an FCA-regulated brokerage, we provide the professional oversight and lender access required to scale complex portfolios safely and transparently.
Why Use a BTL Broker?
High-street banks often focus on “small portfolio landlords.” If you have 4+ properties or complex assets like HMOs, their “computer says no.” At Rainstone money, we believe buying a buy-to-let property should be limited by your ambition, not rigid criteria. We provide the manual underwriting necessary to approve deals that automated systems miss.
Fast Track Your Investment With Rainstone BTL Mortgage
Solutions
Strategic Discovery
We find the lending structure that best suits your goals, whether you’re buying personally or through a Limited Company.
Instant DIP
Secure a Decision in Principle within 24 hours to prove your “ready-to-buy” status to agents. their lender.
Full File Audit
Our brokers manually vet your application before submission to ensure a 99% lender approval rate.
Completion
We manage the surveyors and solicitors to push your case through to the final exchange.
Bank-Ready BTL Calculators
Don’t guess your ROI. Use our suite of specialist tools to stress-test your next buy-to-let house purchase. We factor in lending criteria to ensure your numbers align with what lenders actually want to see before you apply.
Borrowing Power
Find your max loan based on rental cover.
Yield Stress-Test
See how rate changes affect your monthly cash flow.
Stamp Duty Tracker
Calculate the surcharge for your area.
Advantages and Disadvantages of Buy-to-Let Remortgage
Discover the pros and cons of a refinance mortgage with Rainstone Money.
Can Your Deal Pass?
Lenders use strict Interest Coverage Ratios (ICR) to stress-test your application. If your rental income doesn’t hit these benchmarks, your loan will be rejected. Use these targets to pre-qualify your buy-to-let house before you buy.
Basic Rate Taxpayers
125% ICR at a 5.5% stress rate.
Higher Rate Taxpayers
145% ICR at a 5.5% stress rate.
Limited Company (SPV)
Often 125% ICR, offering higher borrowing power.
HMO/Complex Assets
May require up to 165% ICR depending on the lender.