Buy to Let Mortgages
Whether you are a first time landlord or an experienced investor, our team will help you find the right solution no matter your strategy or scale.
Buy to Let Mortgages
Buy-to-Let Mortgages Designed for Serious Property Investors
At Omni Funding, we understand that investment property isn’t just an asset – it’s a strategy, a portfolio, and a long-term wealth plan. Founded by experienced property investors, we created Omni Funding to offer the funding solutions we wished existed when we started: clear guidance, fast decisions, and access to lenders who genuinely understand the UK investment landscape.
Whether you’re building a portfolio, refinancing to release capital, or securing your first rental, our buy-to-let mortgage solutions are tailored to support your goals at every stage.
Why Investors Choose Omni Funding for Buy-to-Let Mortgages
Securing a buy-to-let mortgage can be complex, especially with ever-changing lending criteria. Our team cuts through the noise by matching you with specialist lenders who offer competitive products designed specifically for property investors. We help you access finance for:
- Standard buy-to-lets
- HMOs and multi-lets
- Flats, houses, and mixed-use buildings
- Portfolio lending and limited company structures
With Omni Funding, you receive clear advice, faster application routes, and a strategic approach to long-term borrowing.
Built by Investors, for Investors
Unlike traditional brokers, Omni Funding is backed by a team of active property investors. We understand the challenges of cash flow, refurb timelines, bridging into mortgages, and the importance of securing funding that actually supports your strategy.
This real-world experience allows us to:
- Spot potential lender issues early
- Guide you on stress testing and rental income requirements
- Help you prepare your financials for stronger applications
- Recommend mortgage products based on actual investment performance
We don’t just secure finance—we help you structure borrowing so your portfolio can grow sustainably and profitably.
Buy-to-Let Mortgage FAQs
What is a buy-to-let mortgage?
A buy-to-let mortgage is a loan designed specifically for properties rented out to tenants. Unlike residential mortgages, lenders assess affordability using rental income rather than employment income.
Do I need to own a home before applying for a buy-to-let mortgage?
Most lenders prefer applicants to be homeowners, but several specialist lenders will consider non-homeowners—especially when applying through a limited company.
What deposit do I need?
Deposits for buy-to-let mortgages typically start at 20–25%. Higher-risk properties, such as HMOs, may require slightly larger deposits.
How is affordability assessed?
Lenders use a rental income calculation known as a “stress test”. This ensures the rent covers the mortgage payment with a buffer to account for interest rate changes.
Can I buy a buy-to-let through a limited company?
Yes. Limited company structures are increasingly popular with landlords due to potential tax efficiencies and simplified portfolio growth. We can guide you through lender requirements.
Expert Support Backed by Real Investment Experience
What sets Omni Funding apart is our deep understanding of how lending decisions
Other Services
Development Finance
If you are building from the ground up or taking on a large scale conversion, we can help arrange funding. We support clients from acquisition to completion, structuring finance around build stages, cash flow and exit strategy.
Commercial Mortgages
Are you investing in Commercial Property? Or taking on your own business premises? Look no further.
Services
Locations
Contact Us
- 0131 322 6632
- info@omnifunding.co.uk
- 6 Dryden Road, EH20 Business Centre, EH20 9LZ
OMNI Funding is a trading name of Omni FS Ltd, and is an appointed representative of Greig Oliver which is authorised and regulated by the Financial Conduct Authority for credit broking and mortgage advice (FCA 760195).
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
We are a credit broker, not a lender. We source finance from the whole of the market. We conduct both regulated and unregulated business, and therefore, not all products provided through us are regulated by the Financial Conduct Authority.
Typically, we receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
Omni FS Ltd registered in Scotland SC852527. FRN: 1042253. Registered office: 6 Dryden Road, EH20 Business Centre, Loanhead, Midlothian, EH20 9LZ.
ICO registration number is ZC074405
Copyright © 2025. All Rights Reserved.