Buy‑to‑Let FAQs – Brokers FAQs

FAQs in Buy‑to‑Let FAQs – Brokers

• How do I get on Capitalflow’s panel of approved Buy‑to‑Let brokers?

  Capitalflow works with a select panel of approved mortgage brokers to ensure a high‑quality, efficient lending experience for both brokers and their clients.

  If you’re interested in joining our Buy‑to‑Let broker panel, you can submit an enquiry through our website. We’ll review your details and confirm whether there’s a fit based on factors such as your client base, experience and alignment with our Buy‑to‑Let proposition.

  Joining the panel is subject to internal review and approval, and access is granted on a case‑by‑case basis.

• Product & Positioning – Who is the Capitalflow Buy‑to‑Let product designed for?

  Our Buy‑to‑Let product is designed for experienced and semi‑professional landlords, including portfolio investors and switchers, seeking a broker‑led, technology‑enabled lending solution. It is available exclusively through approved mortgage brokers.

• Is this a broker‑only product?

  Yes. Capitalflow’s Buy‑to‑Let mortgage is a broker‑only offering. We do not offer this product directly to consumers, ensuring brokers remain central to the customer relationship.

• How does this differ from Capitalflow’s Commercial Real Estate (CRE) lending?

  Buy‑to‑Let focuses on residential investment property, while our CRE offering supports larger and more complex commercial property transactions. Both products share the same relationship‑led approach and experienced underwriting team.

• Borrower & Property Eligibility – Who can borrow under the BTL product?

  We lend to:

  • Individuals, and
  • Special Purpose Vehicle (SPV) companies (limited companies set up solely to hold investment property).

  All cases are assessed on a case‑by‑case basis.

• What type of properties are eligible?

  The product is available for residential investment properties located in urban areas. Eligibility depends on location, rental demand, and overall suitability, which will be confirmed during underwriting.

• Do you support portfolio landlords and multi‑asset switchers?

  Yes. We actively support portfolio landlords, including multi‑asset and multi‑property switchers, and can provide tailored solutions and dedicated support for more complex cases.

• Loan Structure & Terms – What loan terms are available?

  Capitalflow offers a range of flexible loan structures, including:

  • Capital & interest terms, and
  • Interest‑only options, where appropriate.

  Specific structures are subject to credit approval and property location.

• Are fixed and variable rates available?

  Yes. The product includes both fixed and variable rate options, with competitive pricing tailored to borrower profile and loan structure. Full rate cards are available to brokers.

• Process & Underwriting – How does the application process work?

  Applications are submitted via our broker portal, providing a streamlined, digital journey from application through to drawdown. Brokers and customers are supported throughout by our BTL operations and underwriting teams.