Real products and live rates across our specialist lender panel — buy-to-let, HMO, multi-unit, semi-commercial and commercial. Investment and commercial property only. Lender names are withheld until you enquire; every figure is real.
Looking for a residential mortgage on your own home? Talk to the team — we handle those personally.
This is a live view of real buy-to-let and commercial mortgage products from the specialist lenders on our panel. Enter the property value and the rent, choose the property type and how much you want to borrow, and the tool checks every product against your figures. Lender names are withheld until you enquire, but the rates, fees and limits are the lenders’ own.
A product only appears if it passes on all of these:
Payments are shown interest-only with the fee added to the loan, which is how most landlords borrow. If nothing passes, the tool tells you what blocked it, such as the rent falling short.
The lowest rate is not always the cheapest deal. Low-rate products often carry higher percentage fees, and an added fee increases both the loan and the rent you need. Sort by payment or fee to compare, and weigh the total cost over the fixed period.
Five-year fixes are usually stress tested at the pay rate, while two-year fixes and trackers are often tested at a higher rate, so a longer fix can let you borrow more on the same rent. Specialist lenders also differ on HMOs, multi-unit blocks, limited companies and credit history, which is where comparing the whole panel matters most.
Related: buy-to-let mortgage calculator, HMO mortgages, limited company buy-to-let and commercial mortgages.
Yes. They are live products from the specialist lenders on our panel. Lender names are withheld until you enquire, and every product is subject to the lender’s assessment.
Enough to cover the interest at the lender’s stress rate by the interest cover ratio, usually 125% or 145%. The tool runs that test on each product for you.
Many lenders stress test five-year fixes at the pay rate and shorter products at a higher rate, so a five-year fix can support a bigger loan on the same rent.
Yes. It covers buy-to-let, HMOs, multi-unit blocks, semi-commercial and commercial investment property. It does not cover residential mortgages on your own home.
Quote the product reference to us and we will confirm the lender, check the criteria and take the application forward.
All lending is subject to the lender’s underwriting, valuation and criteria at the time of application. DAS Finance Ltd is a credit broker, not a lender.
