Mortgage & Invoice Finance Sourcing Tool UK | Dynesourcer
The smarter way to source
buy-to-let mortgages
Dynesourcer gives landlords, portfolio investors and property developers direct access to buy-to-let mortgage products matched by eligibility — backed by an expert broker who checks every application before submission.
Whole-of-Market BTL Sourcing
Compare buy-to-let mortgage products from across the UK market filtered by your actual eligibility — rates, ICR, LTV, property type and more.
Free BTL Mortgage Calculator
Instantly calculate monthly repayments, interest cover ratio (ICR), arrangement fees and true cost of borrowing for any buy-to-let product.
Expert Broker Triage
Every online application is reviewed by a qualified mortgage broker before it reaches the lender, reducing declines and saving you time.
Specialist BTL Criteria
HMOs, MUFBs, portfolio landlords, limited company SPVs and first-time landlords all supported with specialist lender criteria matched in real time.
Compare buy-to-let mortgage rates — free, instant, no broker calls required
Our BTL sourcing platform lets you filter products by LTV, ICR, property type, landlord experience, and arrangement fees — so you only see mortgages you can actually get. Use the built-in buy-to-let calculator to compare the true cost of every deal before you apply.
Filter by rate, fees & ICR
Sort by initial rate, revert rate, arrangement fees or total cost over term
Specialist BTL criteria built in
HMO, MUFB, portfolio landlord, SPV/limited company, first-time landlord
Shortlist & apply in minutes
Save your favourite BTL products and our broker validates before submitting to the lender
Source BTL mortgages now
Free to use • No registration required • Works on any device
dynesourcer.co.uk/mortgages/buy-to-let-mortgage-calculator
Specialist mortgage products
for property investors
From standard buy-to-let to complex HMOs, bridging and development finance — we're building the UK's most comprehensive sourcing platform for property investors.
Launch roadmap: BTL → Invoice Finance → Complex BTL → Semi-commercial → Commercial → Bridging → Development
Buy-to-Let Mortgages
Compare buy-to-let mortgage rates from across the UK market. Source purchase, remortgage and product transfer deals for individual and limited company landlords.
- Up to 75% LTV available
- Portfolio & limited company landlords
- Free BTL calculator included
Invoice Finance
Release working capital tied up in unpaid invoices. Flexible selective and whole-ledger facilities for property and construction businesses.
- Advance up to 90% of invoice value
- Selective or full ledger
- Fast 24–48 hr onboarding
Complex BTL
Specialist BTL mortgages for HMOs, MUFBs, multi-unit blocks and complex borrower structures including portfolio landlords and SPVs.
- HMO & MUFB specialist criteria
- SPV / Ltd company structures
- Flexible ICR & DSCR calculations
Coming soon
Semi-commercial
Finance for mixed-use properties with residential and commercial elements — shops with flats above, and similar semi-commercial assets.
- Mixed-use & shop-with-flat
- Flexible income assessment
- Specialist lender panel
Coming soon
Commercial
Commercial mortgage sourcing for offices, retail, industrial and investment properties with tailored lender criteria.
- Office, retail & industrial
- Investment & owner-occupy
- Tailored underwriting
Coming soon
Bridging Finance
Fast short-term bridging loans for auction purchases, refurbishment, downsizing or chain-break scenarios — regulated and unregulated.
- Terms from 1–24 months
- Quick credit decisions
- Regulated & unregulated
Coming soon
Development Finance
Ground-up development and heavy refurbishment finance with staged drawdowns and flexible exit strategies.
- Staged drawdown funding
- Independent monitoring surveyor
- Flexible exit planning
Coming soon
Now live on Dynesourcer
Invoice Finance sourcingbuilt for working capital
Compare invoice finance facilities by net advance, fees and true cost — then shortlist and apply with broker triage, the same way you source mortgages.
- Up to 90% invoice purchaseRelease cash against approved debtor invoices
- Selective or whole-ledgerChoose the facility structure that fits your cash flow
- Transparent total costCompare APR, service fees and net advance before you apply
Invoice finance facility
Illustrative comparison result
APR
5.62%
Net advance
£3.33M
Review limit
£4.1M
Min. service fee
£2,500
Cost over product term£186,420
Fees only — facility principal not included
Selective invoice discountingWhole ledgerAdditional borrowing
What landlords say about Dynesourcer
From first-time landlords to portfolio investors — see why property professionals choose Dynesourcer for buy-to-let mortgage sourcing.
"Found a competitive buy-to-let mortgage rate in minutes. The broker team reviewed my case before it went to the lender — no surprises."
"As a lender, the analytics portal gives us real-time visibility on time-to-cash and product performance. Exactly what we needed."
"Sourced an HMO mortgage I couldn't find anywhere else. The criteria matching saved me weeks of phoning around brokers."
"First-time landlord — the platform made BTL mortgages feel accessible. The triage team confirmed the right product before submission."
Excellent
More than a BTL comparison site
Sourcing + brokerage
in one platform
Most buy-to-let comparison sites show you rates and leave you to figure out the rest. Dynesourcer combines intelligent BTL mortgage sourcing with expert broker triage — so your application reaches the right lender, first time.
Eligibility-first matching — only see buy-to-let mortgage products you actually qualify for, filtered by LTV, ICR, property type and landlord profile
Specialist products covered — HMO mortgages, MUFB, limited company BTL (SPV), portfolio landlord, and complex income types
Broker validates before submission — a qualified mortgage broker reviews every application, checks product fit and confirms best rate before it goes to the lender
Application Validated — BTL Purchase 75% LTV
Under Review — HMO Remortgage
Draft — Ltd Company BTL
Broker Verified
Every application checked
How to source a buy-to-let mortgage on Dynesourcer
From comparison to completion — a simple, transparent process built for landlords and property investors.
1
Enter your BTL requirements
Tell us your property value, loan amount, rental income, property type, and borrower structure (individual, portfolio, or limited company).
2
Compare matched BTL mortgage products
See real buy-to-let mortgage rates you're eligible for, filtered by LTV, ICR and arrangement fees. Use our BTL calculator to check true cost.
3
Broker validates your application
Our qualified mortgage broker reviews your case, confirms the best-fit product, and flags anything before submission — reducing declines.
4
Application submitted & tracked
We submit your buy-to-let mortgage application directly to the lender. Track progress end-to-end from your dashboard.
Buy-to-let mortgage FAQs
Common questions from landlords and property investors about buy-to-let mortgages, our sourcing tool and BTL calculator.
What is a buy-to-let mortgage and how does it work?
A buy-to-let (BTL) mortgage is a loan specifically designed for landlords purchasing property to rent out rather than live in. Unlike a residential mortgage, eligibility is assessed primarily on projected rental income — lenders typically require rental income to cover 125%–145% of the monthly interest at a stressed rate. Most BTL mortgages are interest-only, meaning you pay only the interest each month and repay the full capital at the end of the term.
How much deposit do I need for a buy-to-let mortgage in the UK?
Most buy-to-let mortgage lenders require a minimum deposit of 25% (75% LTV), though some specialist products are available at higher LTVs. If you're a portfolio landlord or using a limited company (SPV), some lenders may require 30–40% deposit. Larger deposits generally unlock lower buy-to-let mortgage rates.
Can I get a buy-to-let mortgage through a limited company?
Yes. Limited company (SPV) buy-to-let mortgages have grown significantly as landlords seek tax efficiencies. Dynesourcer includes criteria filtering for limited company BTL applications, including SPV structure, director guarantees and Companies House status. Our broker team can guide you through the application process.
What is the buy-to-let calculator and how do I use it?
Our free BTL mortgage calculator lets you input the property value, loan amount, expected rental income and mortgage term to instantly see monthly repayments, interest cover ratio (ICR), arrangement fee impact, and true cost over the initial product period. This helps you compare deals by actual cost rather than just headline rate.
Does Dynesourcer cover HMO and portfolio landlord mortgages?
Yes. Dynesourcer is built for specialist BTL scenarios including HMOs (Houses in Multiple Occupation), multi-unit freehold blocks (MUFBs), and portfolio landlords with four or more mortgaged properties. Our sourcing criteria filter matches you only to lenders whose criteria your case fits.
Is there a fee to use Dynesourcer?
Sourcing and submitting an online enquiry through Dynesourcer is completely free — there's no cost to compare buy-to-let mortgage products, use the BTL calculator, or shortlist deals. A broker fee applies when you proceed to a full mortgage application, which covers expert case preparation, lender submission and end-to-end support through to offer. You'll be made aware of any fee before you commit.
£100M+
BTL Loans Facilitated
5,500+
Products Sourced
98%
Application Success Rate
24hrs
Average Broker Response