The Mortgage Cafe

Your Commercial Mortgage and Residential Buy to Let Specialist

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 50 lenders brings you the best interest rate options with buy to let tracker rates starting at 1.46% pa.

We specialise in finding mortgages for investment properties, both Buy to Let (BTL) and multiple occupation, whether Houses of Multiple Occupation (HMO) or Multi-Unit Freehold Block (MUFB) properties.

With over 29 years in the mortgage business, we can offer you the best of our knowledge to guide you through the mortgage market and complete a mortgage application.

Call us on 0330 173 6570 for further information regarding 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 29 years experience in Buy-to-Let. We use all major highstreet lenders in the market today and have over 1400 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 29 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.

Request a Call-Back

Use our form to submit your enquiry and we will try to respond within 2 hours.

Buy to Let Online Enquiry

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

Refurbishment Online Enquiry

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

Bridging Online Enquiry

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

Development Online Enquiry

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

Second Charge Secured Loans

Use our interactive form specifically designed to apply for a quote regarding 2nd charge secured loans.

Buy to Let & HMO Rates from 1.46% pa.

Multiple Unit Freehold Block (MUFB) rate from 2.79% pa. Bridging Rates from 0.45% pm

Multi-Unit Freehold Blocks

Multi-Unit Freehold Blocks (MUFB)

Multi-unit freehold property. Rates from 2.79% 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.

Please send us your enquiry

Buying as a Limited Company

Buying via a Limited Company

SPV (Special Purpose Vehicle) Limited company BTL mortgage rates from 2.69% pa 2-year fixed; 3.24% pa 5-year fixed; 4.33% pa 10-year fixed.

Portfolio facilities available for remortgage into LLPs.

Call for details.

Please send us your enquiry

High Value Buy to Let

High Value Buy to Let

Executive BTL Large Loan £1m +

Please send us your enquiry

Lending into Retirement

Lending into Retirement

Lender 1 offering long mortgage terms for applicants up to age 70 at application, with a maximum term of 35 years. Interest rates starting from 1.49% pa.

Lender 2 offering long mortgage terms for applicants up to age 80 at application, with a maximum term of 35 years. Interest rates starting from 2.79% pa.

Please send us your enquiry

First Time Buyer Buy to Let

First Time Buyer BTL

Buy to let mortgages for applicants who are wanting to invest in property who are not yet own their own home.

First-time BTL buyer mortgage rates as low as 1.74% pa.

Please send us your enquiry

Minimal Income Proof Options

Minimal Income Proof Options

For applicants wanting to invest in property who have low employed, or self employed income (ie. less than £25,000 per annum) we can offer BTL mortgages with minimal income requirements, or in some cases, no proof of income.

Rates from 1.49% pa (existing property owners)

Please send us your enquiry

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.

Please send us your enquiry

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.

Please send us your enquiry

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 a property with just a 15% deposit, or to remortgage up to 85% of property value in order to release additional funds. First time landlords can borrow up to 80% of the purchase price.

Please send us your enquiry

A Complete Range of Mortgage Services for the Property Professional

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.

Please enquire with your specific circumstances and requirements.

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.

Request Call Back

Independent Mortgage Intermediary – Access to over 50 Lenders

  • Accord
  • Aldermore
  • Axis Bank
  • Bank of China
  • Barclays
  • Bath Building Society
  • Bluestone
  • BlueZest
  • BM Solutions
  • Buckinghamshire B.S
  • Cambridge & Counties
  • Castle Trust
  • Dudley Building Society
  • Family Building Society
  • Fleet Foundation Homeloans
  • Foundation Home Loans
  • Godiva Hampshire Trust Bank
  • Hampshire Trust Bank
  • Hanley Economic
  • Hinckley & Rugby
  • Interbay
  • Kensington
  • Kent Reliance
  • Landbay
  • Leeds Building Society
  • Lendinvest
  • Lloyds Bank
  • Magellan
  • Market Harborough B.S
  • Metro
  • Monmouthshire B.S.
  • NatWest
  • New Street
  • Newcastle Building Society
  • Norwich & Peterborough
  • Paragon
  • Paragon Premier
  • Pepper Money
  • Precise
  • Principality Building Society
  • SPI
  • Saffron Building Society
  • Santander
  • Shawbrook Bank
  • Skipton Building Society
  • Skipton International
  • State Bank of India
  • The Mortgage Lender
  • The Mortgage Works
  • Together
  • Vida
  • Virgin Money
  • Zephyr
Available on-line at