£320,000 Buy-to-Let Mortgage Secured at 65% LTV in Brentford
Self-employed investor acquired a residential flat in Brentford with a £320,000 BTL mortgage at 65% LTV — 2-year fixed rate, capital repayment, completed within two months. Clean execution from application to keys.
Deal Snapshot
The Client Scenario
Our client — a self-employed individual — was looking to purchase a residential flat in Brentford as a buy-to-let investment. The property was valued at £500,000 with projected annual rental income of £33,600, making it a strong addition to a growing portfolio.
The objective was straightforward: secure a competitive buy-to-let mortgage at a sensible LTV, lock in a fixed rate for stability, and complete the purchase without delays. For self-employed borrowers, "straightforward" still requires the right lender — not every BTL provider underwrites self-employed income the same way.
The client needed a broker who could match them to a lender with genuine appetite for self-employed applicants, structure the case cleanly from day one, and keep the transaction on track through to completion.
What Could Have Gone Wrong
Even on a clean deal, self-employed BTL purchases carry specific underwriting risks. Income verification requirements vary significantly between lenders, and a poorly placed application can mean rejection, delays, or worse terms.
Getting the lender match wrong at the start would have cost the client time and potentially the property.
The Solution
A2Z placed the case with Together Commercial — a specialist lender with clear appetite for self-employed BTL borrowers purchasing in personal name. The case was structured to meet their criteria from the outset, avoiding back-and-forth on income documentation.
We secured a £320,000 buy-to-let mortgage on a 2-year fixed rate at 5.84%, with capital repayment terms at 65% LTV against a £500,000 valuation. The deal completed within approximately two months — no delays, no surprises.
Got a buy-to-let purchase to finance?
Self-employed, first-time landlord, or growing a portfolio — we match you to the right lender and get the deal done.
A2Z Bridging Ltd is authorised and regulated by the Financial Conduct Authority · FRN 808769
The Outcome
Looking for a Buy-to-Let Mortgage as a Self-Employed Investor?
We'll match you to the right lender, package the case properly, and keep the deal on track from day one.
A2Z Bridging Ltd · Authorised & Regulated by the FCA · FRN 808769 · We are a broker, not a lender.
Frequently Asked Questions
Yes — though lender options are more selective than for employed applicants. Some BTL lenders require two or three years of accounts or SA302s, while specialists like Together Commercial assess self-employed income more flexibly. On this deal, we placed the case with a lender whose criteria matched the borrower's income profile from the outset, avoiding unnecessary delays.
Capital repayment means each monthly payment covers both interest and a portion of the loan balance, so the mortgage is fully repaid by the end of the term. It costs more per month than interest-only but builds equity from day one. On this Brentford deal, the client chose capital repayment to reduce the outstanding balance over the 2-year fixed period.
BTL LTVs typically range from 60% to 80% depending on the lender, property type, and borrower profile. On this case we achieved 65% LTV on a £500,000 flat — a comfortable position that gave the lender confidence and the borrower a competitive rate. Higher LTVs are available but may require stronger rental coverage ratios.
Timelines vary, but a well-structured BTL application typically completes in 6 to 10 weeks. This deal completed within approximately two months. The key is placing the case with the right lender first time, packaging documentation cleanly, and keeping all parties aligned — which is exactly what we managed here.