This option allows landlords to finance the purchase of traditional single-family rental units to let out to private tenants. As the most common BTL product, deals are widely available. Typically lenders require a minimum 20-25% deposit. Ideal for those starting out or adding to an existing portfolio.

An HMO or "House in Multiple Occupation" mortgage facilitates the acquisition of a larger property split into separate bedrooms with shared common living areas. Each bedroom is then rented out individually, often to tenants from different walks of life. Great for maximizing rental yields per property. However, stricter eligibility criteria usually demands a 30% or higher deposit.

​This targets the purchase of entire apartment blocks or clusters of flats within one building complex. It allows investors to finance multiple rental units in a single transaction. Deposit requirements tend to start from 25% or higher. A cost-effective way to scale up portfolios. But also comes with additional legal and management overheads to consider.

Specialist lender products catering to landlords investing in the student rental property market in university towns/cities. Enables the purchase of HMOs or other units to be rented per room during term times. However, as student occupancy fluctuates during holiday periods, deposits tend to range between 25-30% of the value to mitigate risk.