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Buy-to-Let & Portfolio Finance

Residential Investment

Specialist residential investment mortgage solutions for individual landlords and portfolio investors. Navigate the complex BTL market with expert property finance services.

Residential Investment Finance

The buy-to-let market has become significantly more complex in recent years. Regulatory changes including the Renters' Rights Act 2026, portfolio landlord rules and limited company lending have created new challenges — and new opportunities — for residential property investors.

Our specialist team understands the nuances of residential investment lending and will help you structure your portfolio efficiently through our tailored property finance services, whether you're a first-time landlord or an experienced investor managing dozens of properties.

Renters' Rights Act 2026

The new legislation brings significant changes for landlords. Download our free guide to understand the implications for your portfolio and how to plan ahead.

Download Free Landlord Guide →

Buy-to-Let Mortgages

Single residential investment properties for private landlords.

MUFB Mortgages

Multi-unit freehold blocks (i.e. blocks of flats) for high-value portfolio growth.

PBSA Mortgages

Purpose-built student accommodation financing for institutional-grade properties.

HMO Mortgages

Houses in Multiple Occupation, including large HMOs and licensed properties.

Limited Company BTL

SPV and trading company buy-to-let mortgage solutions.

Portfolio Landlords

Specialist lending for landlords with 4+ mortgaged properties.

Typical Loan Terms

Up to 80%
Loan to Value
Up to 125%
Loan to Rent
£50K – £25M+
Loan Size
1 – 25 years
Term

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Speak to a residential investment specialist today.

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Clever Commercial Finance

Specialist commercial finance brokers delivering bridging finance, commercial mortgages, development finance and property investment solutions.

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Clever Commercial Finance Ltd is an independent commercial finance broker, not a lender. As such, we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Clever Commercial Finance Ltd will receive payment(s) or other benefits from the finance provider if you decide to enter into an agreement with them. We work with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate you pay. Clever Commercial Finance Ltd is an appointed representative of AFS Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority under number 625035. If you wish to make a complaint, please visit our complaints procedure.

Registered Company Name: Clever Commercial Finance Limited  |  Registered Office Address: Shell Store, Canary Drive, Skylon Park, Hereford, HR2 6SR  |  Company Registration Number: 13412348  |  ICO Registration Number: ZB069299

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