UK mortgage & complex finance

Complex finance, made simple.

A partner-led brokerage for portfolio landlords, investors and developers. Buy-to-let, bridging, development, commercial and residential finance, arranged across the UK.

Tell us about your deal See what we arrange

What are you financing? Pick one — it carries through to the enquiry form.

Where we specialise

Buy-to-let, HMO & portfolio building

Built for portfolio landlords. We structure, refinance and expand portfolios — from single buy-to-lets to HMOs, multi-unit blocks and full portfolios held personally or through a Ltd Co or SPV.

HMOs & multi-unit blocks
Portfolio structuring & refinance
Ltd Co / SPV lending
Scaling from 1 to 100+ units

Start a buy-to-let enquiry

Personal name or limited company · First charge and second charge

£1bn+

Finance arranged

Decades

Of combined experience

Est. 2019

Southend-on-Sea

What we arrange

Not sure what you need? Talk to us →

Where we specialise Buy-to-let, HMO & portfolio building Single BTLs to HMOs, multi-unit blocks and full portfolios — held personally or through a Ltd Co or SPV. Structuring, refinance and scaling from 1 to 100+ units. Fast decisions Bridging & development Auctions, chain-breaks, refurb-to-let, development exit and ground-up build. Regulated and unregulated, first and second charge. For business Commercial & semi-commercial Owner-occupiers, investors and mixed-use assets — interest-only or capital repayment, including OpCo / PropCo structures. For homeowners Residential mortgages Primary residences, complex incomes, expats and foreign nationals — handled end to end. Getting started First-time buyers Guided end to end — from first conversation to keys in hand. Raise funds Second charge loans An additional mortgage secured on your existing property — without disturbing your current deal. Peace of mind Insurance & protection Life, income and property cover to safeguard your family, dependents and portfolio. Specialist Complex cases Adverse credit, self-employed, layered structures, trusts and non-standard construction.

Complex is our comfort zone — we also arrange

Bridging loansDevelopment financeHMO conversionsOffice-to-residentialLarge loansBlocks of flatsPortfolio mortgagesComplex propertyExpatsForeign nationalsTrading businessesOpCo / PropCo structuresOwner-occupied business premises

Calculators & tools

Want a walkthrough? Speak to a broker →

Live rates Live product sourcing Real buy-to-let, HMO, multi-unit and commercial products, with payments and rent tests. Products on the panel2,000+ Calculator Buy-to-let mortgage calculator Payments, LTV, fees in the rent test, and the most you can borrow. Example: £200k loan needs rent of£1,127/mo Portfolio landlords Portfolio restructure calculator Personal name or limited company: tax, borrowing power and the cost of moving. Example: company rent test at125% vs 145% Portfolio landlords Section 24 calculator What the mortgage interest restriction costs you each year. Example: 5-property landlord pays extra£7,200/yr Calculator Stamp duty calculator SDLT with the additional-property surcharge, mixed-use and multiple dwellings. Example: £250k buy-to-let£15,000 Property check EPC checker Any property's energy band from the official register, and whether it can be let. Minimum to let todayBand E

All calculators and tools →

Guides for landlords

All guides →

Portfolio landlordsLimited company buy-to-let125% vs 145% rent tests, Section 24, SIC codes and when an SPV makes sense.Read the guide → Portfolio landlordsIncorporating a portfolioIncorporation relief, stamp duty and CGT, and how the company refinance works.Read the guide → Portfolio landlordsTransfer a property to your companyThe finance steps: a new SPV mortgage, director's loan deposit and timing ERCs.Read the guide → Buy-to-letDeposit and lender requirementsHow much you need at 60–80% LTV, and what lenders check on rent, income and credit.Read the guide → CommercialCommercial mortgagesOwner-occupied vs investment, semi-commercial and mixed-use, with a payment calculator.Read the guide → Lender listHeter iska lendersWhich buy-to-let lenders require a heter iska, arrange one, or don't.Read the guide →

Our approach

Fast, honest, and built around your deal.

DAS is a fast-paced brokerage with a fresh approach. We answer quickly, cut through complexity, and won't waste your time if a deal isn't right. From first call to completion, one team stays on your case.

FCA regulated Whole of market NACFB member

By far the best mortgage brokers in the UK.

From a landlord client who completed four mortgages with us in seven months, with four more refinances under way. Other clients highlight round-the-clock availability, clear communication and years of solved problems.

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