01276 586 377 [email protected]

Buy to Let Mortgage Products

Private Landlords & SPV's

Individual Investors

Businesses

Private Landlords & SPV's

Individual Investors

Businesses

Buy to Let Purchase

A buy-to-let mortgage is designed to help borrowers purchase property when they expect to rent it out.  Considering purchasing a buy-to-let property? Then you’ve come to the right place.

Whether you choose a fixed or variable rate buy-to-let mortgage, there are some deals out there – all of which we compare through our ‘comprehensive market service’ and access to exclusive ‘broker only’ offers.

Finding the right deal on your own can be tricky as these deals will differ depending on each scenario. That’s where we will help!

Talk to us if; you have non-standard income, a non-standard property construction, you’re buying through a company, you’re a first time landlord, you have a low deposit, you’re adding to a portfolio

Buy to Let Remortgage

Whether you’re borrowing more money against your current property, coming to the end of a fixed rate deal, or just want a better deal remortgaging could free up much-needed funds.

Finding one of the best Buy-to-Let remortgage deals of the moment will allow you to fine-tune your finances. This could include shortening the term of repayments or freeing up equity in order to purchase an additional investment.

If you have more than one investment property, then remortgaging onto a portfolio deal will help you to consolidate your lending in one place, allowing you to take control of your finances and manage repayments at one rate.

HMO Mortgages

Houses in Multiple Occupation (HMO) mortgages are designed with shared accommodation in mind. Whether you’re looking to rent to students or young professionals, if your property has more than one tenancy agreement in place, this is the type of loan for you.

Finding a good deal on an HMO mortgage can be tricky. With multiple potential tenancy agreements, different methods of valuation, and typically larger and more expensive properties, it’s essential to find a mortgage advisor to find you the best deal possible. 

Whatever your situation, whether you need a loan to buy a four-storey property or whether you’d like to release equity from an existing investment; we’ll find the right HMO mortgage for you. 

Portfolio Mortgages

Portfolio mortgages allow you to lend against your entire portfolio and help to make managing repayments easy.

‘Property Portfolio’ is a term used to describe a collection of investment properties owned by an individual, group or company. This could include residential properties such as flats or houses, as well as commercial property such as retail units or offices.

Owners of property portfolios are generally professional property developers or investors who use their portfolio as a main or supplementary form of income.  The number of properties you own will greatly influence the type of finance you require.  Portfolio mortgages are usually requested once a property owner has four or more properties.

Portfolio lenders will not only require borrowers to own a set number of properties before accepting an application, but also own a number of properties worth a minimum total amount.

Typically, portfolio lenders will look at applications which involve properties with a combined value of between £500,000 and £10 million. If your property portfolio is worth more or less than this, make sure to include this on application

Holiday Let Mortgages

Holiday let mortgages are designed for purchasing holiday homes here in the UK.

Being in the lucky position to purchase a holiday home is great, but what if this new pad could also make you some cash?

If you’re looking for a mortgage for a holiday home, you may like to consider renting it out when you’re not using it.  There are conditions that need to be met, but holiday lets don’t have the same tax implications as standard Buy to Let investments. 

Holiday home mortgage lenders are likely to look more favourably on your application if you’ll have additional income to cover the repayments fees.  Only a small number of lenders allow a holiday let, so talk to one of our team who specialises in this type of mortgage. 

Buy to Let Purchase

A buy-to-let mortgage is designed to help borrowers purchase property when they expect to rent it out.  Considering purchasing a buy-to-let property? Then you’ve come to the right place.

Whether you choose a fixed or variable rate buy-to-let mortgage, there are some deals out there – all of which we compare through our ‘comprehensive market service’ and access to exclusive ‘broker only’ offers.

Finding the right deal on your own can be tricky as these deals will differ depending on each scenario. That’s where we will help!

Talk to us if; you have non-standard income, a non-standard property construction, you’re buying through a company, you’re a first time landlord, you have a low deposit, you’re adding to a portfolio

Buy to Let Remortgage

Whether you’re borrowing more money against your current property, coming to the end of a fixed rate deal, or just want a better deal remortgaging could free up much-needed funds.

Finding one of the best Buy-to-Let remortgage deals of the moment will allow you to fine-tune your finances. This could include shortening the term of repayments or freeing up equity in order to purchase an additional investment.

If you have more than one investment property, then remortgaging onto a portfolio deal will help you to consolidate your lending in one place, allowing you to take control of your finances and manage repayments at one rate.

HMO Mortgages

Houses in Multiple Occupation (HMO) mortgages are designed with shared accommodation in mind. Whether you’re looking to rent to students or young professionals, if your property has more than one tenancy agreement in place, this is the type of loan for you.

Finding a good deal on an HMO mortgage can be tricky. With multiple potential tenancy agreements, different methods of valuation, and typically larger and more expensive properties, it’s essential to find a mortgage advisor to find you the best deal possible. 

Whatever your situation, whether you need a loan to buy a four-storey property or whether you’d like to release equity from an existing investment; we’ll find the right HMO mortgage for you. 

Portfolio Mortgages

Portfolio mortgages allow you to lend against your entire portfolio and help to make managing repayments easy.

‘Property Portfolio’ is a term used to describe a collection of investment properties owned by an individual, group or company. This could include residential properties such as flats or houses, as well as commercial property such as retail units or offices.

Owners of property portfolios are generally professional property developers or investors who use their portfolio as a main or supplementary form of income.  The number of properties you own will greatly influence the type of finance you require.  Portfolio mortgages are usually requested once a property owner has four or more properties.

Portfolio lenders will not only require borrowers to own a set number of properties before accepting an application, but also own a number of properties worth a minimum total amount.

Typically, portfolio lenders will look at applications which involve properties with a combined value of between £500,000 and £10 million. If your property portfolio is worth more or less than this, make sure to include this on application

Holiday Let Mortgages

Holiday let mortgages are designed for purchasing holiday homes here in the UK.

Being in the lucky position to purchase a holiday home is great, but what if this new pad could also make you some cash?

If you’re looking for a mortgage for a holiday home, you may like to consider renting it out when you’re not using it.  There are conditions that need to be met, but holiday lets don’t have the same tax implications as standard Buy to Let investments. 

Holiday home mortgage lenders are likely to look more favourably on your application if you’ll have additional income to cover the repayments fees.  Only a small number of lenders allow a holiday let, so talk to one of our team who specialises in this type of mortgage. 

Why Xcel?

We created Xcel Finance for property professionals who expect more from their finance broker. We help clients deliver meaningful projects all across the UK, and we create great relationships along the way. We promise that working with us, you’re setting your project up for success.

Arrange Consultation

Expect more when you work with our experienced Independent Mortgage Advisors.

Why Xcel?

We created Xcel Finance for property professionals who expect more from their finance broker. We help clients deliver meaningful projects all across the UK, and we create great relationships along the way. We promise that working with us, you’re setting your project up for success.

Arrange Consultation

Bridging Finance is an incredibly useful tool for property investors and developers. Whatever the scenario; our expert brokers will find, negotiate, and arrange the.”best deal for you.”

“Jamie made the process easy and supported us through the whole thing.  No challenge was too big and there was always a way through, around or over.  Thanks for your help it made a huge difference.  We would definitely recommend Excel Finance. 

Matthew | Property Developer | South Wales

” Excellence” The only word for Xcel Finance.

From start to finish Jamie couldn’t be more helpful. Every step explained and executed with professionalism and precision. Finding the best solution for our finance was amazing. With Jamie’s knowledge he fills you with confidence you can achieve your goals.

We can’t recommend Xcel Finance enough.

Terry & Kathy | Brighton | First Time Property Investors

Excellent Exceptional Xcel. Jamie exceeded all expectations with such a cool and calming caring understanding nature, We were definitely an exception to the rule.

We cannot thank him enough for finding funding that has allowed us to finish a very special restoration of a listed building, (grand design dilemma, bank won’t lend money, owners despair)

He is forever in our thoughts, and has restored my faith in the whole financial world, I thought they were all against me, and was petrified of losing our home and all our efforts. Back to work, house to restore and get ready for sale. 

Carol & Kevin | Gloucestershire | Bridging Finance Clients

“I was amazed how quickly they were able to get my funding in place.  Great service. Would highly recommend Xcel Finance.”

Carol | Gloucestershire | Bridging Finance Customer

“Jamie made the process easy and supported us through the whole thing.  No challenge was too big and there was always a way through, around or over.  Thanks for your help it made a huge difference.  We would definitely recommend Excel Finance. 

Matthew | Property Developer | South Wales

” Excellence” The only word for Xcel Finance.

From start to finish Jamie couldn’t be more helpful. Every step explained and executed with professionalism and precision. Finding the best solution for our finance was amazing. With Jamie’s knowledge he fills you with confidence you can achieve your goals.

We can’t recommend Xcel Finance enough.

Terry & Kathy | Brighton | First Time Property Investors

Excellent Exceptional Xcel. Jamie exceeded all expectations with such a cool and calming caring understanding nature, We were definitely an exception to the rule.

We cannot thank him enough for finding funding that has allowed us to finish a very special restoration of a listed building, (grand design dilemma, bank won’t lend money, owners despair)

He is forever in our thoughts, and has restored my faith in the whole financial world, I thought they were all against me, and was petrified of losing our home and all our efforts. Back to work, house to restore and get ready for sale. 

Carol & Kevin | Gloucestershire | Bridging Finance Clients

“I was amazed how quickly they were able to get my funding in place.  Great service. Would highly recommend Xcel Finance.”

Carol | Gloucestershire | Bridging Finance Customer

Talk to an expert Broker today

01276 586 377

Ask us a question

Talk to an expert Broker today

01276 586 377

Ask us a question

Call Now Button