Buy-to-Let or Commercial Mortgages

Name: Credco
Address: Suite 13, Regus, Admirals Park, Victory Way, Dartford, Dartford, Kent, DA2 6QD, GB
Telephone: 0204 628 0990

Fast finance for property portfolios, professionally structured.

Up to 80% LTV across buy-to-let and commercial

Limited-company, portfolio and HMO structures

Refinance, capital raise and chain-break scenarios

or call 0204 628 0990

THE APPROACH

Matched to a moving market.

The buy-to-let market has changed. Underwriting has tightened around portfolio quality, solid rental evidence, and the likelihood of a successful exit. While individual landlords are stepping back, professional and portfolio-focused landlords are stepping in to fill the space. It's a subtle but important shift in lender interest and priorities.

Our job is to match that moving target. We understand which lenders are currently favouring certain borrower profiles, which structures are gaining popularity, and which are quietly falling out of favour. This valuable insight comes from years of experience on the lender side before we transitioned to working as brokers, along with regular conversations with the funders behind the names on the term sheets.

Whether you're building a portfolio, refinancing existing stock, restructuring through a limited company, or unlocking capital, we will guide you to a lender whose mandate genuinely fits the deal. We'll also work to negotiate terms that reflect the current market conditions, making the process smoother and more tailored to your needs.

SEND US AN ENQUIRY

We will come back quickly, usually the same day. If you would prefer to speak to us now, please call 0204 628 0990.

WHAT SETS US APART

Four things that change the outcome.

The differences that decide whether a case completes or quietly stalls in committee.

01Up to 80% LTVAvailable across buy-to-let and commercial property, subject to deal structure and borrower profile.

02Limited-company specialistsExperienced with SPV and limited-company landlord structures, including portfolios across multiple entities.

03HMO and MUFB experiencedComplex multi-tenant and converted-unit structures handled regularly, with lenders who understand them.

04Lender-mandate insightWe know which lenders are actively writing what right now, not just what the panel sheet says.

WHAT WE HELP WITH

Cases we look at every week.

01Urgent completions

02Deposit shortfalls

03Chain-break scenarios

04Refinance and rate switches

05Capital raise from existing portfolio

06Portfolio acquisitions

07HMO and MUFB conversions

TAKE THE NEXT STEPGet expert guidance on buy-to-let and commercial mortgages.

Hiran, co-founder and director of Credco

WHY CREDCO

“The accidental landlord days are over. The professional landlord days have arrived. The lenders backing buy-to-let in 2026 are not the lenders backing it three years ago, and the broker's job is recognising which one is moving toward your borrower's profile and which is moving away.”

Hiran, Co-Founder & Director, Credco

MEET THE TEAM →

FREQUENT QUESTIONS

The questions we get asked most.

If yours is not here, ask us directly. We will give you a straight answer, including when the answer is no.

What is buy-to-let finance?Finance for property purchased to let to tenants, including residential, HMO, multi-unit freehold blocks and limited-company landlord structures. Usually assessed on rental income coverage rather than personal salary.

What is a commercial mortgage?A mortgage for property used for business purposes, including offices, retail, industrial and mixed-use buildings. Assessment focuses on the rental income, business income or both, depending on the structure.

Can I borrow through a limited company?Yes. Limited-company landlord structures are now the default for many property professionals, and we work with lenders specifically set up for SPVs and limited-company portfolios.

Do you work with first-time landlords?We focus mainly on experienced and professional landlords, but we will take a view on first-time landlords with strong underlying cases. The deal needs to make sense to a lender on its merits.

How quickly can a buy-to-let mortgage complete?Standard purchases typically take 6 to 12 weeks, depending on the lender, the solicitor and the property. Time-critical purchases can be bridged first and refinanced onto a term loan once the works or transaction complete.

A SELECTION OF THE LENDERS WE WORK WITH

Ready to take the next step?

Tell us about the property, the portfolio or the refinance. We will work out the best route.