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Top £400,000 Buy-to-Let Business Finance Lenders UK – 2026 Comparison
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Top 10 lenders for £400,000 buy-to-let business finance compared
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Property investors needing short-term buy-to-let bridging finance | £100,000 to £3,000,000 | interest 1.6% to 3% monthly |
| 2 | Inhale Capital | Landlords seeking low-rate bridging for buy-to-let purchases | £0 to £2,000,000 | interest 1.05% to 1.3% monthly |
| 3 | Brightstar | SPV investors wanting longer-term buy-to-let mortgage options | From £50,000 | interest 5% to 12% annually |
| 4 | Virgin Money | Established landlords comparing high-street commercial mortgage options | £30,000 to £10,000,000 | interest 4.5% to 10.5% annually |
| 5 | NatWest Bank | Portfolio landlords with strong turnover seeking bank-backed mortgages | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 6 | HSBC Bank | Included for comparison; maximum loan sits below £400,000 | £1,000 to £300,000 | interest 8.6% to 11.3% annually |
| 7 | Barclays | Larger portfolio investors exploring high-street buy-to-let rates | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 8 | Offa | Sharia-compliant buy-to-let investors seeking competitive annual rates | £80,000 to £2,500,000 | interest 5.9% to 7.5% annually |
| 9 | Together Money | Experienced landlords needing flexible underwriting on larger portfolios | £50,000 to £25,000,000 | interest 0.55% to 1.5% monthly |
| 10 | MT Finance | Property investors seeking fast bridging for buy-to-let acquisitions | £50,000 to £10,000,000 | interest 0.89% to 1.05% monthly |
A buy-to-let commercial mortgage is a loan secured against a residential property you intend to rent out, typically arranged through a special purpose vehicle limited company. It suits property investors who want to expand a rental portfolio without locking up all their capital in a single purchase. For a £400,000 investment, this type of finance lets you leverage existing assets while rental income services the loan.
Choosing the right buy-to-let lender means comparing more than the headline rate. Rental income coverage requirements vary widely; many lenders expect projected rent to cover at least 125% of the monthly repayment. The maximum loan-to-value on offer and whether a lender works with SPV limited companies both affect your borrowing capacity at the £400,000 level. Rate type also matters; some lenders quote monthly interest, others annually, making direct cost comparison essential.
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: Monthly interest from 1.6% suits investors who prefer transparent short-term costs over annualised percentages. The lender funds buy-to-let acquisitions through secured facilities from £100,000 to £3 million. Expect a property valuation and security charge as part of the process.
Best next step: Compare secured BTL options for £400,000
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funds BTL purchases from £100,000
- Flexible secured lending structure
- Draw, repay and reuse facility option
Need to know
- Monthly interest from 1.6% to 3%
- Requires suitable property security
- Valuation and legal costs apply
Expert take
A secured lending specialist comfortable with property-backed facilities up to £3 million. The monthly-rate structure works for investors who want clear cost visibility on a £400,000 buy-to-let deal.
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: Funds can land within 24 hours, which helps investors moving on a time-sensitive £400,000 buy-to-let purchase. Monthly rates from 1.05% to 1.3% keep holding costs predictable for short-term bridging or refinance before a term mortgage takeout. The property itself secures the facility.
Best next step: Explore fast BTL bridging from £400,000
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding available within 24 hours
- Monthly rates from 1.05%
- Lends up to £2 million
Need to know
- Short-term property-backed funding
- Higher fees than term mortgages
- Exit strategy typically expected
Expert take
A fast-moving bridging lender built for property investors who need certainty on timing. Well suited to a £400,000 buy-to-let where speed to completion matters more than headline rate.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12% annually
Overview: Accepts buy-to-let applications from £50,000 upward, making entry accessible for portfolio building. Annual rates between 5% and 12% reflect the lender's willingness to consider cases mainstream banks decline. Funding can complete within 24 hours for straightforward property-backed deals.
Best next step: See Brightstar rates for £400,000 BTL
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Accepts from £50,000 loan size
- Funds within 24 hours
- Considers non-standard cases
Need to know
- Annual rates from 5% to 12%
- Property valuation required
- Short-term bridging structure
Expert take
A specialist property lender that bridges the gap where high-street banks hesitate. A £400,000 buy-to-let fits their appetite well, particularly for investors with a clear exit route.
Virgin Money
Published loan range£30,000 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: Lends from £30,000 to £10 million on commercial mortgages, with annual rates from 4.5% for limited company and SPV borrowers who meet mainstream underwriting standards. A thorough affordability assessment is standard. Clean credit and demonstrable rental cover are expected.
Best next step: Compare Virgin Money BTL commercial mortgages
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Bank-rate pricing from 4.5% annually
- Lends up to £10 million
- Established high-street lender
Need to know
- Stricter underwriting than specialists
- Affordability evidence required
- Slower processing than bridging
Expert take
A high-street bank with deep commercial mortgage capability and competitive pricing. Best suited to SPV buy-to-let investors with clean credit and strong rental cover on a £400,000 property.
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: Commercial mortgages from £500 to £10 million give property investors a familiar repayment structure with predictable monthly costs. Annual rates starting around 4.5% keep long-term holding costs low on a £400,000 buy-to-let. Limited company and SPV applications are standard for this lender.
Best next step: Check NatWest BTL mortgage eligibility
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 4.5%
- Long-term mortgage structure
- Accepts SPV limited companies
Need to know
- Full financial assessment required
- Rental coverage must be proven
- Bank processing timelines apply
Expert take
A mainstream bank with a well-established commercial mortgage desk. A £400,000 buy-to-let through an SPV aligns with their standard lending criteria, provided rental income stacks up.
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 range reaches £300,000, which may fall short for a £400,000 buy-to-let purchase. Annual rates from 8.6% apply to secured property lending, and the bank typically takes around 48 hours to respond. Investors should confirm whether higher-value facilities are negotiable.
Best next step: Check HSBC limits for £400,000 BTL
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Established high-street bank
- Commercial mortgage expertise
- Relationship-managed lending possible
Need to know
- Published range up to £300,000
- Annual rates from 8.6%
- Around 48-hour response time
Expert take
A major bank whose published commercial mortgage ceiling may constrain £400,000 buy-to-let applications. Worth querying directly whether relationship-managed lending can exceed the stated maximum.
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: Annual rates from 8.5% on business mortgages mean costs can be clearly forecast across the term of a £400,000 buy-to-let. Barclays lends from £1,000 to £25 million, covering single investments through to portfolio refinance. Underwriting is thorough but the product range is broad.
Best next step: See Barclays business mortgage rates
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lends up to £25 million
- Business mortgage expertise
- Broad product coverage
Need to know
- Annual rates from 8.5% to 14.9%
- Full bank underwriting required
- Security and valuation needed
Expert take
A high-street lender with enormous lending headroom and a dedicated business mortgage team. A £400,000 SPV buy-to-let lands in their core appetite, and the wide product range suits portfolio builders.
Offa
Published loan range£80,000 to £2,500,000
Rate typeinterest 5.9% to 7.5% annually
Overview: Decisions can land within an hour, making this one of the quickest routes for a £400,000 buy-to-let transaction. Annual rates from 5.9% to 7.5% are competitive for specialist lending, and the product range from £80,000 to £2.5 million suits mid-market investment properties.
Best next step: Explore Offa BTL from £400,000
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Decision in as little as 1 hour
- Annual rates from 5.9%
- Lends £80,000 to £2.5 million
Need to know
- Specialist buy-to-let product
- Property valuation required
- Bridging-style terms may apply
Expert take
A buy-to-let specialist built for speed without sacrificing rate competitiveness. A £400,000 investment property matches their product band well, suiting investors who need rapid underwriting.
Source:https://offa.co.uk/
Together Money
Published loan range£50,000 to £25,000,000
Rate typeinterest 0.55% to 1.5% monthly
Overview: Together Money exclusively targets property-backed lending, with buy-to-let mortgages available from £50,000 to £25 million. Monthly rates from 0.55% to 1.5% keep costs predictable, and funding typically completes within 24 hours for straightforward secured cases.
Best next step: Compare Together Money BTL mortgages
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lends up to £25 million
- Monthly rates from 0.55%
- Funding within 24 hours
Need to know
- Monthly interest structure
- Property-backed security required
- Short-term bridging product
Expert take
A large-scale property lender with one of the widest buy-to-let ranges available. A £400,000 investment sits at the lower end of their appetite, making this a credible option for portfolio investors.
Source:https://togethermoney.com/
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05% monthly
Overview: Monthly rates from 0.89% to 1.05% structure the cost of a £400,000 buy-to-let in clear monthly increments, useful for bridging or short-term hold strategies. The lender operates across £50,000 to £10 million and funds within 24 hours, suiting investors who value certainty over headline rate.
Best next step: Check MT Finance rates for BTL
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 0.89%
- Funding within 24 hours
- Lends £50,000 to £10 million
Need to know
- Monthly interest structure
- Property security required
- Short-term hold product
Expert take
A property bridging specialist with a streamlined process and competitive monthly pricing. A £400,000 buy-to-let matches their lending appetite well for investors needing short-term secured finance.
Source:https://www.mt-finance.com/
Commercial Mortgage Calculator
Using an SPV limited company for £400,000 buy-to-let finance
Most investors borrowing £400,000 for buy-to-let choose to hold the property in a special purpose vehicle (SPV) limited company. This structure allows you to deduct mortgage interest as a business expense before calculating corporation tax, rather than receiving a tax credit as an individual landlord would.
Lenders on this page accept SPV applications, and some, like Offa, offer a dedicated buy-to-let product designed specifically for limited company borrowers. Virgin Money and NatWest Bank also lend to SPVs alongside personal-name applications.
Setting up an SPV costs a few hundred pounds and takes a few days through most formation agents. Bear in mind that transferring existing personally held properties into an SPV may trigger capital gains tax and stamp duty, so speak to a tax adviser before restructuring. For new purchases at £400,000, an SPV is widely accepted and often the default choice among professional landlords.
LTV ratios and rental income rules for £400,000 buy-to-let mortgages
Lenders set two key tests for £400,000 buy-to-let finance: loan-to-value ratio and rental coverage. On LTV, Brightstar is the standout, offering up to 100% LTV where additional security is available. Offa lends up to 80% LTV. Together Money, One Stop Business Finance, and Inhale Capital each cap at 75% LTV. MT Finance goes to 70% LTV.
For a £400,000 property at 75% LTV, you put down £100,000 and borrow £300,000. The second test is rental income. Most lenders require the projected monthly rent to cover 125% to 145% of the interest payment, calculated at a notional stressed rate, typically between 5.5% and 6.5% per year.
If the property does not meet this threshold, the lender may reduce the maximum loan amount rather than decline the application outright. Check the rental coverage formula with your broker before making an offer on a property.
Interest rates on £400,000 buy-to-let business finance compared
The cost of a £400,000 buy-to-let mortgage depends heavily on the lender type and product structure. Short-term and bridging-style lenders quote monthly rates, while high-street banks and specialist term lenders quote annual rates. The table below shows how rates compare across a selection of lenders on this page.
| Lender | Rate range | Rate type |
|---|---|---|
| Together Money | 0.55% to 1.5% per month | Monthly interest |
| MT Finance | 0.89% to 1.05% per month | Monthly interest |
| Inhale Capital | 1.05% to 1.3% per month | Monthly interest |
| NatWest Bank | 4.5% to 10.5% per year | Annual interest |
| Virgin Money | 4.5% to 10.5% per year | Annual interest |
Monthly rates look smaller but compound faster. A 1% per month rate is roughly equivalent to 12.7% per year, so always compare on a like-for-like basis. Brightstar publishes rates from 5% to 12% per year and Offa from 5.9% to 7.5% per year, both sitting between the high-street and short-term ranges. Your actual rate will depend on the property type, loan term, and strength of the rental income.
What lenders assess before approving £400,000 buy-to-let finance
Beyond LTV and rental income, lenders assess several other factors before approving £400,000 buy-to-let finance. Personal guarantees are widely required. One Stop Business Finance, Inhale Capital, Brightstar, Virgin Money, NatWest Bank, and HSBC Bank all ask directors for a personal guarantee. This makes you personally liable if the borrowing company cannot repay.
Business age requirements vary. Virgin Money expects at least one year of trading history. One Stop Business Finance accepts applications with no minimum business age, which helps newly incorporated SPVs. Most buy-to-let lenders focus more on the property and rental income than on how long the company has existed.
Your personal credit history and income also matter. Lenders want evidence you can cover voids and maintenance costs from other income. NatWest Bank sets a minimum turnover of £300,000, which may suit portfolio landlords with larger rental books. Specialist lenders tend to be more flexible on credit history if the rental coverage is strong.
