Fee-Free Buy-to-Let Mortgage Advice That Puts Your Portfolio First
We help UK landlords secure sharper buy-to-let finance — from single lets to HMOs and limited-company structures. No adviser fees. Clear comparisons. Fast results.
✅ Get Your Free BTL Mortgage Review
FCA regulated • Whole-of-market access • Product transfers & remortgages • Portfolio strategy support
Why Rate Switcher?
- Fee-free advice: We’re paid by the lender when your case completes — you keep more of your cash.
- BTL specialists: Limited company (SPV), HMO, MUFB and portfolio expertise — not generic, one-size advice.
- Maximum borrowing power: We optimise stress tests, fee vs no-fee structures and term selection to improve outcomes.
- Fast, transparent process: Clear documentation checklist, proactive updates, and lender-ready packaging.
- Long-term partner: We review your portfolio ahead of expiry so you avoid costly SVR drift.
Buy-to-Let Services
Buy To Let Mortgages
Whether you’re purchasing or refinancing, we compare whole-of-market BTL products and model true cost over your fixed period. We’ll show fee vs no-fee breakeven points at your loan size and highlight criteria pinch points before you apply.
Holiday Let Mortgages
We assess seasonal income, local occupancy assumptions and lender-specific quirks so your application lands cleanly. Get clarity on stress rates, allowable property types and acceptable platforms/letting models.
HMO Mortgages
From small HMOs to large/licensed properties and MUFBs, we place cases with lenders comfortable with room-by-room income and local authority licensing. We’ll brief valuers, pre-empt ICR issues and avoid delays.
Lenders
We work with leading BTL lenders — from mainstream to specialist — and benchmark their latest pricing, fees and incentives. You’ll see a side-by-side comparison with the total cost over your chosen term.
Limited Company Mortgages
Set up correctly, an SPV can unlock better borrowing power and cleaner accounting. We’ll map SIC codes, director/shareholder structures and lender preferences so your application is packaged right first time.
How It Works
- Discovery call: Goals, timelines, properties and constraints (income, rent, LTV, credit).
- Strategy & quotes: Whole-market comparison with true-cost modelling; SPV vs personal ownership where relevant.
- Submit & progress: We manage valuation, underwriting and solicitor workflow; you get proactive updates.
- Review & renew: We monitor your expiry and re-price early so you avoid SVR and capture better markets.
Portfolio Management & Performance Reviews
Scaling from one property to many needs structure. We’ll balance LTVs across assets, coordinate expiry ladders, and plan capital raises without tripping stress tests. Our performance reviews track cash flow, ICR headroom and refinance windows — so you can buy, hold or exit with confidence.
Results Landlords Care About
- Saved £300+/month switching two single lets before expiry (kept fees low by packaging fee vs rate efficiently).
- Placed a 6-bed licensed HMO after two declines elsewhere by addressing valuation notes and tenancy wording.
- Re-structured a 7-property portfolio into an SPV with staged remortgages, reducing total cost of capital over five years.
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Frequently Asked Questions
Do you charge broker fees?
No — our service is fee-free for landlords. We’re paid by the lender when your mortgage completes.
Can you help with SPV/limited company cases?
Yes. We’ll confirm SIC codes, directors/shareholders and lender preferences, and quote SPV and personal options side-by-side.
What’s the difference between a product transfer and a remortgage?
A transfer keeps you with your current lender on a new rate; a remortgage moves you elsewhere. We’ll recommend the cheapest suitable route on total cost.
How soon should I start?
3–6 months before your deal ends. That protects you from SVR and gives us time to capture favourable pricing.
Do you handle HMOs and multi-unit blocks?
Yes — including licensing nuances, valuation notes and room-by-room income. We’ll brief the valuer and package accordingly.
Ready to Secure a Better BTL Deal?
Get a free, no-obligation comparison showing the true cost over your chosen fixed period — and a clear plan to avoid SVR.
✅ Get Your Free BTL Mortgage Review
Or call us on your number • Email your email
General information only; not personal advice. Lending subject to status & criteria. Rates and criteria change; we’ll confirm details for your case.