£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.
£320,000
Loan amount
65%
Loan-to-value
2-year fixed
Term
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.
- Self-employed income rejected or queried by a lender without appetite for the borrower profile
- Application placed with a mainstream lender requiring additional years of accounts or SA302s
- Rental income calculation method (ICR) failing the lender's stress test at this rate
- Completion delayed past the seller's deadline due to slow underwriting
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.
- Matched the borrower to Together Commercial based on their self-employed lending criteria
- Packaged self-employed income documentation cleanly for first-time submission
- Confirmed rental income coverage met the lender's stress test requirements before application
- Coordinated solicitors, valuer, and lender to maintain a two-month completion timeline
- Secured a competitive 65% LTV with capital repayment — building equity from day one
The Outcome
£320k
BTL Mortgage Secured
65%
LTV Achieved
5.84%
Fixed Rate
£33.6k
Annual Rental Income
Completed in ~2 Months
No Delays or Rework
Frequently Asked Questions
Can a self-employed person get a buy-to-let mortgage?
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.
What is a capital repayment buy-to-let mortgage?
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.
What LTV can I get on a buy-to-let mortgage in Brentford?
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.
How long does a buy-to-let mortgage application take to complete?
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.
Facing a Tight Deadline of Your Own?
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