Business Details
Your Trusted Mortgage Broker in Milton Keynes
Established with over 29 years of expertise in the mortgage industry, Mortgage Cafe has built a reputation as a trusted independent broker for property investors, landlords, and business owners. Our team leverages extensive market knowledge and access to over 50 lenders to provide tailored financing solutions for residential and commercial property needs. Specialising in complex cases, we offer expert guidance on buy-to-let (BTL) mortgages, houses of multiple occupation (HMOs), multi-unit freehold blocks (MUFBs), and short-term bridging finance. With a focus on transparency and client-centric service, we deliver no-obligation consultations and competitive interest rates starting from 1.46% pa for BTL tracker mortgages. Our innovative online tools, including secured loan comparison engines and refurbishment finance calculators, empower clients to make informed decisions.Backed by partnerships with major lenders like Santander, Barclays, and specialist HMO lenders, we support clients through every stage of the mortgage processfrom initial enquiry to completion. Our commitment to excellence extends to legal conveyancing services, development funding, and portfolio remortgaging solutions. Headquartered in Milton Keynes, we serve clients across England, Scotland, Wales, and Northern Ireland, with dedicated support for expatriates, limited companies, and investors with adverse credit histories. By combining market-leading products with personalised service, we aim to simplify property finance for both novice and experienced investors.
Services
HMO Mortgages
Buy-to-Let Loans
Bridging Finance
Development Funding
Commercial Mortgages
Refurbishment Loans
Second Charge Loans
Expat Mortgages
Adverse Credit Mortgages
Portfolio Remortgaging
Highlights and features
- 29 years of specialist mortgage industry experience
- Access to over 50 lenders including major highstreet banks
- Expertise in complex cases and adverse credit mortgages
- Competitive rates from 1.46% pa for buy-to-let tracker mortgages
- Comprehensive support for HMO, MUFB, and development finance
Services
HMO Mortgages
Specialist financing for houses of multiple occupation, including licensed/unlicensed HMOs, student accommodation, and large properties with 5+ tenants. We arrange mortgages for conversions from hotels/public houses to HMOs, with lending up to 85% LTV. Our expertise covers mandatory licensing requirements and structural refurbishment projects across England, Scotland, and Wales.
Bridging Finance
Fast-secured funding solutions for property investors requiring urgent capital. Available for auction purchases, development projects, and chain-breaking scenarios. Loan terms from 1 day to 24 months with rates starting at 0.45% monthly interest. Supports unmortgageable properties, land acquisitions, and commercial-to-residential conversions across the UK.
Buy-to-Let Mortgages
Comprehensive mortgage solutions for residential property investors, including first-time landlords, portfolio holders, and limited company SPVs. Offers high LTV options up to 85%, interest-only terms, and competitive rates from 1.46% pa. Special provisions for low-income applicants and expatriate investors.
Development Funding
100% joint venture funding and development loans for residential projects valued 1.5m-10m. Supports experienced builders converting properties to HMOs or multi-unit blocks. Terms up to 24 months with 50/50 profit-sharing arrangements. Available for new builds and refurbishment projects across England and Wales.
Refurbishment Loans
Tailored financing for property upgrades, including light, medium, and heavy refurbishments. Loans from 30k-15m with LTV up to 85% post-refurbishment. Covers structural works, planning gain conversions, and HMO transformations. Available for auction properties, reposessions, and buy-to-let acquisitions requiring modernisation.
Questions
What types of mortgages do you specialise in?
We specialise in buy-to-let, HMO, multi-unit freehold block, commercial, and bridging mortgages. Our expertise extends to complex cases including adverse credit, expatriate investors, and limited company SPVs.
Can you help with HMO licensing requirements?
While we don't provide licensing advice, we offer mortgages for both licensed and unlicensed HMOs. Our team understands the regulatory framework and can finance properties requiring licensing post-refurbishment.
How quickly can bridging loans be arranged?
Bridging loans can be arranged in as little as 7 days, with funds available for completions within this timeframe. We support urgent property purchases and development opportunities requiring fast financing.
Do you offer mortgages for new landlords?
Yes, we provide first-time landlord mortgages with rates starting at 1.74% pa. Our advisors guide new investors through the process of purchasing their first buy-to-let property.
Can I get a mortgage as a limited company?
We offer limited company mortgages with rates from 2.69% pa. Our services include portfolio remortgaging into LLPs and structuring finance solutions for property investment companies.
What areas do you cover?
We provide mortgage solutions across England, Scotland, Wales, and Northern Ireland. Our services support UK-based investors and expatriates purchasing property in Great Britain.
