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Buy to let
Property Types

When you need something more than a standard BTL mortgage

The different types of buy to let property

Diversifying your property portfolio is a fantastic way of boosting your rental profits and furthering your property investment journey. There are many different property types for you to consider, and whilst this list is not exhaustive, it should give you an idea of the types of opportunities available to you.

Most lenders view these property types as more complex than your standard buy to let, so it's essential you have all the information you need to make an informed property investment decision.

Houses in Multiple Occupation

Houses in Multiple Occupation (HMO) are properties with three or more unrelated occupants living in shared accommodation. HMO housing is a great way to diversify your property portfolios, with generous rental yields and significant tenant demand.

Lenders consider HMO property a more complex investment property type, so they will look for a certain level of landlord experience on your application. Read on to learn more about financing these properties, when you need an HMO licence, and converting your property into an HMO.

Holiday Lets

Holiday lets have become increasingly popular with holidaymakers and property investors over the last few years. But what’s the difference between a buy to let and holiday let mortgage?

Knowing how to mortgage a holiday let is essential. Here, we look at the property finance options available to you, what lenders look for on holiday home mortgage applications, and more to help you get started.

Student Lets

If you want to diversify your buy to let property portfolio, you might want to consider becoming a student landlord. The demand for student accommodation is increasing, and student landlords typically earn higher rental yields.

If you are considering a student let, there are a few things you need to consider, such as upcoming legislation changes. Just as with the buy to let mortgage process, there are several things lenders will look for in your application. Keep reading to learn more. 

Multi-Unit Freehold Blocks

A Multi-Unit Freehold Block (MUFB) is a property consisting of multiple flats or units on a single lease. Higher rental yields and growing demand mean there are many benefits to owning MUFBs in your property portfolio.

But financing and managing MUFBs is different and more complex than the standard buy to let mortgage process. Here, we cover everything you need to know to get started.

Talk to an expert

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All you need to know about buy to let mortgages for Limited Companies and the benefits of limited company borrowing. 

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