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The Mortgage Café

Your commercial mortgage and residential buy to let specialist and independent specialists for secured property finance.

Contact Us

Call: 0117 223 2050


Offices Open: Mon – Fri: 9am – 5pm


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Ask a Question

Use this 2-field form to submit your query and we will try to respond within 2 hours.

Refurbishment Online Enquiry

Please use this form for short-term refurbishment finance, whether for light, medium or heavy refurbishment.

Development Online Enquiry

Development funding for the construction of new builds or medium and large scale conversion projects.

Buy to Let Online Enquiry

Enquire about mortgages for HMO multiple occupation accommodation and Buy to let single/family occupation.

Bridging Online Enquiry

Use our interactive form specifically designed for bridging finance and other secured short-term property funding .

Secured Property Finance for Property Professionals

We offer specialist mortgage services with access to the whole market for business, commercial and buy to let mortgages to assist our clients in buying new property or refinancing existing property. Try our secured loan comparison engine to find Second charge loans available to you for capital raising without refinancing away from your current lender. Our whole of market access to over 48 lenders brings you the best interest rate options with buy to let tracker rates starting at 1.44%pa. We specialise in finding mortgages for investment buy to let and multiple occupation properties. With over 27 years in the mortgage business, we can offer you the best of our knowledge to guide you with the best way forward for your application. Call us for further information on purchase or remortgage products.

HMO Mortgages

Specialist knowledge and expertise are an integral part of the service from The Mortgage Café. We access all lenders from the residential investment market, and the commercial market. Other lenders we have access to specialise in lending to professional landlords and portfolio borrowers only. Facilities are available up to 85% LTV.

Buy-to-let Mortgages

We have over 27 years experience in Buy-to-Let. We use all major highstreet lenders in the market today and have over 900 mortgage products available. Lending facilities up to 85% LTV is possible. Mortgages are available for virtually every scenario whether first-time buyers or professional and experienced landlords.

Online Legal Conveyancing

Get very competitive fixed fee conveyancing service for remortgages £375.00 (No win no fee). We use a panel of dedicated and experienced solicitors who operate a revolutionary online case management system to ensure a fast and efficient fixed fee legal service. Our system offers highly competitive quotes on low fixed cost fees.

Finding the Right Mortgage

The Mortgage Café Limited is a totally independent mortgage broker for landlords, property investors and business owners. With access to all lenders in the market, our extensive knowledge in mortgages and short-term finance, built up over 27 years, helps us to find you the correct funding solution. Contact us today to discuss your requirements.

Bridging Short Term Finance

Also known as bridging loans and short-term property finance. These loans are fast to arrange and are designed to put the right money in the right place at the right time. Typical uses are auction purchase, capital raising and purchase of run-down property. Very low interest rates and access to all major lenders. Loans for property throughout the UK.

Joint Venture Funding

If you are an experienced property developer with your capital tied up in existing projects, you could have access to a JV lender putting all the funds in to purchase another lucrative site and provide funds for the build costs too. You simply provide the labour and construction expertise and take a share of the profits.

Buy to Let Rates from 1.44% pa.

HMO Rates from just 1.60% pa. HMO-MUFB Rate at 2.99% PA. Bridging Rates from 0.45% PM

Multi-Unit Freehold Blocks

Multi-Unit Freehold Blocks

Multi-unit freehold property. Rates from 2.99% pa.

As a specialist buy to let mortgage broker, we can assist clients in the purchase or remortgage of multi-unit property.

Property can be purpose built development or conversions of a single freehold into mixed multiple rental units such as flats, studios or bedsits.

Buying as a Limited Company

Buying as Limited Company

Limited company SPV BTL Lending 2.99% pa 10 Year Fixed Rate 4.49%pa for Ltd Co. 5 Year Stepped Rate 3.00%pa for Ltd Co. 3 Year Fixed Rate 3.39%pa for Ltd Co. 2 Year Fixed Rate 3.19%pa for Ltd Co. Portfolio facilities available for remortgage into LLPs. Call for details.


High Value Buy to Let

High Value Buy to Let

Executive BTL Large Loan £1m

From 1.69% Pa.





Lending into Retirement

Lending into Retirement

Many lenders have maximum age restrictions for applicants mortgaging a buy to let property.

We have lenders offering 40 year mortgage terms, maximum age 115 Years or lenders with no maximum age at end of term. Rates starting from 1.59% pa.


First Time Buyer Buy to Let

First Time Buyer BTL

Buy to let mortgages for applicants who are wanting to invest in property who themselves are not yet a homeowner.

First-time buyer & first-time landlord mortgage rates as low as 1.88%pa



Minimal Income Proof Options

Minimal Income Proof Options

For applicants wanting to invest in property but who do not have employed income or the ability to show earned income, but with capital savings, we can offer BTL mortgages with no or minimal income requirements.

Rates from 1.94% pa (existing property owners)

LLP Partnership Mortgage

LLP Partnership Mortgage

Mortgages for Limited Liability Partnership (LLPs)

LLPs are becoming popular for property portfolio owners to utilise as a vehicle for holding property offering certain tax advantages and flexibility for several people to have an interest in the portfolio.

We offer a portfolio remortgage service for transferring property into LLPs , with 5 major lenders to choose from depending on specific needs.

Mortgages for Offshore Limited Company

Mortgages for Offshore Limited Company

Mortgages for Offshore Limited Company SPVs

Facilities available for companies in mainstream jurisdictions such as
Isle of Man, Jersey, Guernsey, British Virgin Islands or Gibraltar



High LTV Buy to Let Mortgages

High LTV Buy to Let Mortgages

We are able to offer a range of high loan-to-value buy to let mortgage products at up to 85% LTV.

Available for existing landlords to purchase property with just a 15% deposit, or for existing landlords wanting to remortgage up to 85% of property value in order to release additional funds.


A Complete Range of Mortgage Services for the Property Professional

Call us today to discuss your mortgage requirements

Limited Company Mortgages

We have lenders who can lend to existing trading companies, or newly formed companies, SPV companies and property investment companies. Whether you are looking to mortgage residential Buy-to-Let property, an HMO or a commercial property, we will find the right lender for you.

Adverse Credit Mortgages

Generally speaking the traditional high street lenders cannot accommodate a poor track record of credit history. However, a new generation of specialist lenders is now on hand to assist.

Interest Only Mortgages

We can arrange Buy-to-Let, HMO and commercial mortgages on an interest only basis. This not only produces the lowest monthly payment, but it often assists a lender with their affordability calculation for maximum lending.

Expat Mortgages

If you are a UK citizen working abroad and you want to buy an investment property in the UK, then we can help. We have lenders available to assist the purchase, or remortgage, of Buy-to-Let, HMO and commercial property. Contact us today, or complete one of our short enquiry forms for a fast response.

Complex Cases

There are instances where applicants’ circumstances just don’t fit a high street lender’s criteria and others who may have very specific requirements, which are not straightforward. Equally, some properties are not standard, so traditional lenders often struggle to agree terms.

Self Employed Mortgages

It need not be a problem if you have only been self employed for a short period of time. Some of our lenders now have no minimum period in employment or self employment. This is true for HMO, Buy-to-Let and commercial mortgages. Some lenders do not require proof of income. Call us today to discuss your requirements.

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Independent Mortgage Intermediary with Access to Over 48 Lenders

Axis Bank
Bank of China
Bath Building Society
BM Solutions
Buckinghamshire B.S
Cambridge & Counties

Dudley Building Society
Family Building Society
Fleet Foundation Homeloans
Godiva Hampshire Trust Bank
Hanley Economic
Hinckley & Rugby
Kent Reliance
Virgin Money

Leeds Building Society
Lloyds Bank
Market Harborough B.S
Norwich & Peterborough
New Street
Newcastle Building Society
Paragon Premier

Pepper Money
Principality Building Society
Saffron Building Society
Shawbrook Bank
Skipton Building Society
Skipton International
State Bank of India
The Mortgage Works