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Top 10 Lenders for £350,000 Buy-to-Let Business Finance in 2026
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Top 10 Lenders for £350,000 Buy-to-Let Business Finance
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | SPV landlords needing flexible short-term buy-to-let investment loans | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Inhale Capital | Portfolio landlords seeking rapid bridging-to-let at low monthly rates | £0 to £2,000,000 | interest 1.05% to 1.3% monthly |
| 3 | Brightstar | Investors wanting longer-term annual-rate buy-to-let property finance | From £50,000 | interest 5% to 12% annually |
| 4 | Virgin Money | Established SPV landlords seeking high-street bank buy-to-let mortgages | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 5 | NatWest Bank | Larger portfolio investors needing bank-backed buy-to-let mortgage stability | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | HSBC Bank | Included for comparison; upper loan cap may sit below requirement | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 7 | Barclays | Investors comparing bank buy-to-let mortgage options for larger portfolios | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 8 | Admiral leasing | Buy-to-let investors comparing alternative commercial mortgage routes | From £1,000 | interest 5.5% to 13.5% annually |
| 9 | Shireassetfinance | Investors exploring alternative buy-to-let finance outside mainstream lenders | £5,000 to £750,000 | interest 4.5% to 12% monthly |
| 10 | MT Finance | SPV landlords needing competitive short-term property investment funding | £50,000 to £10,000,000 | interest 0.89% to 1.05% monthly |
A commercial mortgage for buy-to-let is a loan secured against residential investment property, typically arranged through a limited company or Special Purpose Vehicle (SPV). This structure lets property investors separate personal finances from their portfolio, with lenders assessing rental income rather than personal earnings. For a £350,000 purchase or refinance, it is the standard route for professional landlords looking to grow or restructure their residential property holdings.
Comparing buy-to-let lenders goes well beyond the headline interest rate. Key factors include the maximum loan-to-value ratio, typically capped at 75% for SPV borrowing, and the rental yield stress test, where most lenders require cover of 125% to 145% at a notional rate. Arrangement fees can vary significantly, from flat fees to percentages of the loan. Investors should also check whether the lender accepts limited company SPVs, individual landlords, or both, and whether any minimum portfolio experience or property value thresholds apply.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
One Stop Business Finance
Published loan range£100,000 to £3,000,000
Rate typeinterest 1.6% to 3% monthly
Overview: For buy-to-let investors who value drawdown flexibility, One Stop Business Finance structures secured revolving facilities that let you access capital in stages as you acquire properties. Monthly rates start at 1.6%, with decisions typically landing within five days. Security and a personal guarantee are standard requirements.
Best next step: Compare rates for revolving buy-to-let facilities
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Revolving credit suits staged purchases
- Funding decisions within five days
- Large facility ceiling for portfolios
Need to know
- Personal guarantee usually required
- Property security is mandatory
- Legal and valuation costs apply
Expert take
A flexible secured lender built for SMEs needing revolving capital. For an SPV buy-to-let investor, the drawdown structure suits multiple-unit acquisitions without reapplying each time.
Source:https://www.osbf.co.uk/
Inhale Capital
Published loan range£0 to £2,000,000
Rate typeinterest 1.05% to 1.3% monthly
Overview: Monthly rates from 1.05% position Inhale Capital among the more cost-conscious bridging options for buy-to-let investors who need short-term secured funding. Facilities extend to £2,000,000 and can be turned around in 24 hours. The speed comes with higher exit-risk scrutiny, so your repayment strategy must be watertight.
Best next step: Explore fast bridging for buy-to-let
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Low monthly rates from 1.05%
- Funding possible within 24 hours
- Short-term bridge to mortgage refinance
Need to know
- Exit strategy must be clearly defined
- Higher valuation and legal fees apply
- Short-term facility, not long-term lending
Expert take
A short-term bridging specialist that moves quickly on property-backed deals. For a buy-to-let purchase at this level, the low headline rate and 24-hour turnaround suit investors completing fast before refinancing onto a term mortgage.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12% annually
Overview: With a minimum loan of £50,000, Brightstar opens the door for smaller-scale buy-to-let investors as well as those scaling up. Annual rates range from 5% to 12% on secured property-backed facilities, with funding possible within 24 hours. The bridging model means you will need a clear exit plan and acceptable security.
Best next step: Check Brightstar's buy-to-let bridge rates
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Low minimum loan from £50,000
- Annual-rate pricing for clarity
- Same-day funding decisions possible
Need to know
- Bridging product, not a term mortgage
- Exit route must be evidenced
- Valuation costs borne by borrower
Expert take
A bridging lender with a low entry threshold and annual-rate pricing. For buy-to-let at £350,000, Brightstar's speed helps secure auction properties or win competitive bids, provided a refinance or sale exit is lined up.
Virgin Money
Published loan range£30,000 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: Virgin Money brings high-street stability to buy-to-let borrowing, with commercial mortgage facilities stretching from £30,000 to £10,000,000. Annual rates sit between 4.5% and 10.5%, and the bank's broad product suite means portfolio landlords can consolidate lending under one roof. Expect a lengthier underwriting process and full affordability assessment.
Best next step: Compare Virgin Money commercial mortgages
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- High-street lender with broad reach
- Commercial mortgages to £10,000,000
- Portfolio consolidation under one lender
Need to know
- Bank underwriting can be slow
- Full affordability evidence required
- Trading history likely scrutinised
Expert take
A mainstream bank with a deep commercial mortgage book. For an SPV buy-to-let at £350,000, Virgin Money's brand strength and long-term product range reward investors who can meet detailed underwriting requirements and accept a longer timeline.
Source:https://uk.virginmoney.com/business/business-borrowing/
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NatWest Bank
Published loan range£500 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: NatWest structures commercial mortgages from as little as £500 up to £10,000,000, making it one of the most accessible high-street lenders for property investors at any scale. Annual rates start at 4.5%. For buy-to-let, expect standard bank processes: full underwriting, affordability checks, and security valuation. Speed depends on application complexity.
Best next step: View NatWest buy-to-let mortgage options
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Extremely broad loan range available
- Competitive annual rates from 4.5%
- Established buy-to-let mortgage desk
Need to know
- Full underwriting takes several weeks
- SPV lending criteria vary by case
- Personal guarantee may be required
Expert take
A household-name bank with one of the widest commercial mortgage ranges. For a £350,000 SPV buy-to-let, NatWest's established property finance desk and competitive annual pricing make it a reliable starting point for comparison.
Source:https://www.natwest.com/business/loans-and-finance.html
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3% annually
Overview: HSBC's commercial mortgage product serves property investors with facilities from £1,000 to £300,000 at annual rates between 8.6% and 11.3%. Funding typically takes 48 hours from approval. The bank's international presence can be an advantage for overseas landlords with UK property interests. Underwriting is thorough and may require strong trading history.
Best next step: Check HSBC commercial mortgage criteria
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- International banking convenience
- Established commercial mortgage team
- Annual fixed-rate options available
Need to know
- Upper loan limit applies to product
- Strong trading history expected
- Slower bank underwriting process
Expert take
An international bank with a solid UK commercial mortgage proposition. For buy-to-let investors, HSBC's global platform suits those with cross-border finances seeking a mainstream lender for straightforward residential investment purchases.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: Speed of decision matters when a buy-to-let purchase hangs on vendor confidence. Barclays aims for 24-hour turnaround on business mortgage applications once underwriting is complete, with facilities from £1,000 to £25,000,000. Annual rates range from 8.5% to 14.9%. Gathering documentation typically extends the overall timeline to several weeks.
Best next step: See Barclays business mortgage rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Enormous ceiling at £25,000,000
- Single lender for portfolio growth
- Dedicated business mortgage team
Need to know
- Higher annual rates than competitors
- Extensive documentation required
- Valuation and legal costs apply
Expert take
A tier-one bank with the scale to support buy-to-let from first purchase to large portfolio. For a £350,000 SPV investment, Barclays' headroom for growth pairs with higher annual pricing, making total-cost comparison against other high-street lenders essential.
Admiral leasing
Published loan rangeFrom £1,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Annual rates starting at 5.5% make Admiral leasing a competitive option for buy-to-let investors seeking commercial mortgage finance. Loans begin from £1,000 with secured property backing, and a rapid four-hour initial response keeps momentum on time-sensitive purchases. As with any secured facility, valuation and legal costs sit with the borrower.
Best next step: Compare Admiral's commercial mortgage rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Competitive annual rates from 5.5%
- Fast four-hour initial response
- Low minimum loan for small projects
Need to know
- Full underwriting follows initial response
- Property security is mandatory
- Legal and valuation costs borne by you
Expert take
A secured lender with competitive annual rates and a swift initial response. For a £350,000 buy-to-let, the low starting rate and four-hour enquiry turnaround make Admiral worth comparing, especially if you are rate-sensitive with clean security.
Shireassetfinance
Published loan range£5,000 to £750,000
Rate typeinterest 4.5% to 12% monthly
Overview: Four hours to an initial response sets Shireassetfinance apart for buy-to-let investors racing against auction deadlines. Commercial mortgage facilities range from £5,000 to £750,000, with monthly rates between 4.5% and 12%. Secured lending means property valuation and legal work are required upfront, so factor those costs into your timeline.
Best next step: Check Shireassetfinance mortgage terms
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Wide loan range from £5,000
- Four-hour initial response
- Secured commercial mortgage product
Need to know
- Monthly-rate pricing can be costly
- Full security valuation required
- Upper limit at £750,000
Expert take
A responsive secured lender whose speed suits auction purchases and quick completions. For a £350,000 buy-to-let, Shireassetfinance's four-hour response and flexible range reward investors who calculate the annualised cost of monthly-rate pricing before committing.
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05% monthly
Overview: At 0.89% monthly, MT Finance ranks among the most cost-effective bridging lenders available to buy-to-let investors. Loans span £50,000 to £10,000,000 with turnaround within 24 hours. Bridging means you must demonstrate a credible exit, typically through refinance or sale. The low headline rate rewards borrowers with clean security and a clear repayment plan.
Best next step: Compare MT Finance bridging rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Low monthly bridging from 0.89%
- Funding within 24 hours
- Large ceiling for portfolio deals
Need to know
- Bridging only, not term lending
- Exit strategy evidence mandatory
- Valuation and arrangement fees apply
Expert take
A well-priced bridging lender with a strong reputation in property finance. For a £350,000 buy-to-let bridge, MT Finance's low monthly rates and high facility ceiling suit investors who prioritise speed without sacrificing cost control.
Source:https://www.mt-finance.com/
Commercial Mortgage Calculator
LTV ratios and rental yield requirements for £350,000 buy-to-let finance
At a £350,000 loan amount, lenders typically cap their loan-to-value ratio between 70% and 75%. Here is how four lenders compare on maximum LTV:
| Lender | Maximum LTV |
|---|---|
| Brightstar | 100% |
| One Stop Business Finance | 75% |
| Inhale Capital | 75% |
| MT Finance | 70% |
Beyond the LTV cap, buy-to-let lenders apply a rental yield stress test. Most require rental income to cover at least 125% to 145% of the mortgage payment when calculated at a notional stress rate. This means the property must generate enough rent to service the debt even if rates rise. For £350,000 borrowing, the property value would typically need to sit between £466,000 and £500,000 depending on the LTV cap applied. Brightstar is the outlier at 100% LTV, meaning a property valued at £350,000 could potentially secure the full loan amount without a cash deposit.
Fixed vs tracker rate structures for £350,000 buy-to-let investors
Lenders on this list fall into two rate bands. Bridging-style lenders quote monthly interest: One Stop Business Finance publishes 1.6% to 3% per month, Inhale Capital sits at 1.05% to 1.3% per month, and MT Finance offers 0.89% to 1.05% per month. These short-term facilities suit investors who plan to refinance onto a longer-term product after refurbishment or tenanting. Bank lenders quote annual rates. Virgin Money and NatWest both publish rates from 4.5% to 10.5% annually. HSBC sits at 8.6% to 11.3% annually, while Barclays publishes a wider band of 8.5% to 14.9% annually. For SPV buy-to-let borrowing at £350,000, the rate type matters as much as the headline figure. Monthly-rate products often carry lower arrangement fees but must be refinanced within 12 to 24 months. Annual-rate bank products offer terms up to 25 years but typically require a stronger trading history. The cheapest annual rates on this list start at 4.5%, which can work out cheaper than monthly-rate products once compounding is accounted for over a full year.
SPV limited company and personal guarantee requirements for buy-to-let at £350,000
Most investors borrowing £350,000 do so through a special purpose vehicle limited company. Lenders vary in their SPV approach. One Stop Business Finance requires no minimum trading history and no minimum turnover, which suits newly incorporated SPVs. Virgin Money requires at least one year of trading, while NatWest sets a minimum turnover threshold of £300,000. Personal guarantees are a near-universal requirement on this list. One Stop Business Finance, Inhale Capital, Brightstar, Virgin Money, NatWest, and HSBC all require a director's personal guarantee. This means the lender can pursue personal assets if the SPV defaults, regardless of the limited company structure. Some specialist lenders do not require the director to be a homeowner. One Stop Business Finance and Inhale Capital both confirm they accept directors who do not hold residential property in their own name. This opens the door for investors whose personal assets are held differently or who are first-time property buyers borrowing through a limited company.
Loan terms and arrangement costs for £350,000 buy-to-let property investment
Loan term length is a key differentiator across this list. Short-term lenders cap terms tightly: One Stop Business Finance and Inhale Capital both limit facilities to 18 months, while MT Finance extends to a maximum of two years. At the other end, Virgin Money offers terms up to 20 years, while NatWest and Barclays both extend to 25 years. Admiral leasing caps at seven years, and Shireassetfinance at six years, sitting in a middle band. For a £350,000 buy-to-let, the term you choose affects both monthly cash flow and total interest cost. A 25-year term at 4.5% annually produces a far lower monthly payment than an 18-month term at 1.6% per month, but the bridging route may be the only option if the property needs refurbishment before it qualifies for a bank mortgage. Arrangement fees typically range from 1% to 2% of the loan amount on bank products. Portfolio landlords with four or more mortgaged properties should check whether the lender applies stricter LTV caps or higher stress rates at this scale.
