Buy to Let Mortgages

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Buy to let  Mortgages

Specialist Buy-to-Let Finance for Experienced UK Investors & Portfolio Landlords

At Unicorn Commercial Finance we arrange bespoke buy-to-let (BTL) mortgages for seasoned property investors and developers in the UK. Whether you’re acquiring a single unit, refinancing a multi-let HMO, or restructuring a large landlord portfolio, we provide strategic funding solutions with access to specialist lenders, high-LTV terms, and tailored exits.




“Using our lender relationships we secured an 80% LTV interest-only facility for a 12-unit HMO block in Manchester for a portfolio investor, achieving completion in just 14 days.”
— Som Emadi, Managing Director, Unicorn Commercial Finance



What We Offer

  • Investment mortgages from £35,000 upwards for UK & international clients
  • Up to 80% LTV standard (higher within portfolio/lender frameworks)
  • Interest only, roll-up, second-charge and revolving mortgage options
  • Support for UK expats, non-doms & foreign nationals buying or remortgaging in the UK
  • Funding for single lets, HMOs, multi-unit blocks, serviced accommodation and complete portfolios


Who We Work With
 We specialise in advising:

  • Experienced property investors expanding or consolidating their holdings
  • Developers converting units or moving into portfolio letting
  • Portfolio landlords seeking refinancing or equity release across multiple assets
  • UK-resident, expatriate, and non-dom clients requiring bespoke lending solutions


Why Choose Unicorn Commercial Finance

  • Award-winning UK brokerage with a track record of complex landlord and portfolio deals
  • Direct access to high street, specialist and private bank lenders not available via standard brokers
  • Fast decisions, structured execution — we act as your finance partner, not a product matcher
  • Transparent fees, clear communication, dedicated relationship from enquiry through to completion


Finance FAQs

See below some common questions and answers below, or call us at 03332 423 447

  • What types of commercial properties qualify for financing?

    Most types of commercial properties such as offices, warehouses, retail buildings, and multifamily units can be financed, as long as they generate reliable income.

  • How does the loan-to-value ratio (LTV) affect financing?

    LTV ratio directly impacts how much finance a client can secure. Higher LTV ratios indicate higher risk for lenders, which usually translates to higher interest rates.

  • How is the interest rate calculated for commercial property loans?

    The interest rate for commercial property loans is calculated based on several factors, including the borrower’s creditworthiness, the property’s location and condition, loan term, and the size of down payment.

  • How much down payment is required for commercial property financing?

    Some lenders may require down payments as low as 10%, while others may require up to 40%. The down payment amount required depends on the type of property and the borrower's creditworthiness

  • What are the advantages of using a commercial property finance broker?

    A commercial property finance broker can help borrowers navigate the complex process of securing finance, negotiate more favourable loan terms, access a wider range of lenders and provide expertise on the market.

  • What are the typical loan terms for commercial property loans?

    The loan term for commercial property loans can range from one year (short-term) to 30 years (long-term). However, most commercial property loans range between 5-15 years.

  • What are the usual fees associated with commercial property loans?

    Fees include origination fees, appraisal fees, credit report fees, and legal fees, and other costs that vary depends on the type of loan, terms, and location.

  • Can first-time buyers get commercial property loans?

    Yes, first-time buyers can get commercial property loans, but some conditions might apply, such as higher interest rates, bigger down payments or lower LTV ratios.

  • What documentation is required to apply for commercial property financing?

    Generally, lenders require proof of income, business or personal tax returns, a detailed financial statement, and property details such as title deeds, leasehold agreements, and appraisal reports.

  • How long does it take to secure commercial property financing?

    Depending on the lender, securing commercial property financing can take anywhere from 2-4 weeks to several months.