Buy to Let
Buy to let refers to longer-term finance of properties which generate income such as:
- Buy to let residential properties
- Commercial or mixed residential & commercial buildings that you rent out to a third-party
- Holiday lets
- HMOs
- Serviced accommodation
Buy to let overview
- Loan To Value up to 75% (Commercial) 80% (Residential)
- Borrowing from £200,000 – £50,000,000
- All areas of UK covered
- Loan availability, loan terms, lender fees and rates will vary depending on financials and background
- Business purposes only
What we do
We are a specialist buy to let broker firm, with a focus on properties and property portfolios that are complex in nature, and we work with both residential and commercial property let out to 3rd parties. For example:
- Landlords with complex portfolios and borrower structures e.g. large portfolios, properties owned across multiple companies, properties owned by trading companies.
- Complex property types e.g. HMOs, blocks of flats, residential assets with commercial property next door, adjacent or nearby.
- Landlords with complex tenant types e.g. where the property is let on a corporate lease to a 3rd party, including specialist corporate lets where the 3rd party you lease to houses asylum seekers and vulnerable tenants.
- Property developers seeking buy to let finance to retain finished development projects ranging from single properties to large multi-unit developments.
- Portfolio restructuring or shareholder buy outs e.g. where one shareholder obtains buy to let finance to buy out the other shareholder.
Find out a bit more about us or contact us for a free consultation today.
Would recommend them without hesitation
I used Luc Capital, and specifically Will, for a site in Norfolk and couldn’t be happier with the service. From the very first conversation, Will was responsive, professional, and genuinely proactive in helping move things forward. His understanding of development finance and the wider market really added value to the process, and I felt confident throughout that I was in safe hands. What stood out most was the level of communication—clear, timely, and always with my best interests in mind. I’d happily work with Will and Luc Capital again and would recommend them without hesitation to anyone in the property space looking for smart, reliable finance support.
Incredibly diligent and reactive throughout the process
Will helped us secure development finance for our latest project in Norfolk. He was incredibly diligent and reactive throughout the process – seemingly always contactable. We’ve really enjoyed working with him and have felt confident he has had our best interests at heart. We continue to speak regularly on other opportunities and we will definitely be asking him to represent us again. We would recommend him to anyone looking for help arranging bank finance for their next development project.
The experience has massively boosted my confidence for the future!
Will bent over backwards to help me at short notice with expert advice and support. As a first time exploring funding in the property development arena, I was extremely grateful for the detail and time taken to explain things. The experience has massively boosted my confidence for the future!
Great broker but also a good person
I used Will for my office to resi conversion and he has been excellent. Being able to call someone who responds is great. Very patient in his explanations and goes over and beyond. He is a great broker but also a good person.
Thank you for your work and patience
I wanted to say thank you for your work and patience in getting this one over the line, you have been great to work with and you have taken all the hurdles in your stride and really understood the lender perspective on things too which is fantastic.