Buy to Let Property Investors, Build Your Portfolio with Just a 15% Deposit – Here’s How

New 85% LTV Buy-to-Let Mortgage Launch: A Game-Changer for UK Property Investors

If you're looking to invest in UK property with a low deposit, there's exciting news in the buy-to-let (BTL) mortgage market. A new 5-year fixed buy-to-let mortgage at 85% loan-to-value (LTV) is now available — making it significantly easier for both first-time landlords and seasoned investors to access funding and grow their rental property portfolios.

At Swift Financial, we’re proud to offer this product to our clients. Whether you're just starting out or expanding your portfolio, this flexible option could help you turn cash into income while reducing the upfront costs typically associated with buy-to-let mortgages.

What’s on Offer: Key Highlights

This new mortgage offering is designed to open up opportunities for a wider range of property investors, particularly those who have found high deposit requirements a barrier to entry.

Here’s what makes this buy-to-let product stand out:

• Up to 85% LTV – Start your investment with just a 15% deposit

• Available to both individuals and limited companies – Ideal for all types of landlords

• 5-year fixed rate – Provides stability and certainty in repayments

• No product fee – Helps reduce the initial costs of securing finance

• No minimum income requirement – Broadens accessibility for different financial situations

• Minimum loan size of £100,000 – Suitable for a wide variety of property investments

• Same-day Decision in Principle (DIP) – Enabling quick action on new opportunities

Why It’s a Big Deal for Investors

Historically, buy-to-let investors have had to save large deposits to secure competitive mortgage products — usually 20–25% of the property value. This new mortgage changes that, offering a low-deposit solution for those looking to invest in property or free up capital for additional purchases.

And because it’s available to both individuals and limited company landlords, it supports a growing number of investors opting to purchase through a special purpose vehicle (SPV) for tax efficiency and long-term planning.

It’s also a fee-free product, meaning there are no upfront product charges, which helps keep your initial costs lower — something especially attractive for those looking to build a property portfolio quickly and cost-effectively.

Who Could Benefit?

This mortgage is well suited to:

• First-time landlords looking to get started in the rental market

• Portfolio landlords who want to expand with a lower deposit

• Investors aiming to release equity from current properties to reinvest

• Buyers purchasing through a limited company structure

• Those looking to invest in property with a low deposit but still benefit from fixed-rate certainty

• Landlords who want a quick application process and fast DIP turnaround

Whether your strategy is to turn cash into rental income, build long-term wealth through UK investment property, or secure another asset for your portfolio, this product makes it more accessible than ever.

How Swift Financial Can Help

At Swift Financial, we work with a broad panel of lenders to find the right mortgage for your investment goals. This newly launched buy-to-let mortgage could be the perfect fit if you're looking for mortgages for rental properties that offer flexibility, low upfront costs, and competitive rates.

We’ll guide you through the process, whether you’re buying in your own name or through a limited company. And with fast decision-in-principle turnarounds, you can move quickly on your next opportunity.

📞 Call us on 01777 811 405

📧 Email hello@swiftfinancial.co.uk

🌐 Visit www.swiftfinancial.co.uk