Billy McCluskey

Sales Director

Qualifications | Certificate in Mortgage Advice and Practice 1, 2, 3.

Billy has worked in the mortgage intermediary market since 2018, building extensive experience across buy-to-let mortgages, specialist lending, and landlord finance. Prior to this, he spent 10 years in customer service and retail leadership, developing a strong client-focused approach that continues to shape his work today.

Since joining Commercial Trust as a mortgage advisor, Billy has progressed to Sales Director, where he now leads a high-performing team delivering tailored solutions for portfolio landlords, property investors, and clients with complex mortgage needs. His combination of hands-on advisory experience and leadership ensures both practical insight and strategic oversight across all cases.

Billy has guided clients through a rapidly evolving UK mortgage market, navigating changing interest rates, lender criteria, and affordability rules. His expertise lies in identifying the most suitable buy-to-let lenders and specialist mortgage products, helping clients secure finance efficiently—even in challenging circumstances.

A strong advocate of customer-first mortgage advice, Billy is committed to delivering clear, transparent guidance tailored to each client’s situation. His focus on understanding individual requirements ensures clients receive the most appropriate mortgage solutions for property investment and refinancing.

"Integrity, transparency, and long-term client relationships are essential in building trust."

At Commercial Trust, Billy plays a key role in maintaining the company’s reputation as a specialist buy to let mortgage broker. He works closely with advisors to ensure the right lender is selected first time, helping deliver a smooth and efficient process for new and returning landlord clients.

Billy is passionate about maintaining a values-led mortgage brokerage, with a focus on integrity, transparency, and long-term client relationships. He believes these principles are essential in building trust within the UK property finance and mortgage advisory sector.

Billy's Top Tip

In today’s fast-moving buy-to-let mortgage market, working with an experienced mortgage broker is more important than ever. With lender criteria and rates changing regularly, a specialist broker can help landlords and property investors access the most suitable deals and structure their borrowing effectively—particularly for portfolio expansion or complex cases.

Most memorable client case

One case that highlights Billy’s expertise in complex mortgage solutions took place in November 2024.

A portfolio landlord was completing a property purchase while raising funds through two further advances. With just five days to complete, one of the advances was declined following a final affordability check due to a recently taken unsecured loan.

Billy and the Commercial Trust team quickly sourced an alternative solution by arranging a homeowner business loan alongside specialist lending options, allowing the client to raise the required funds within the deadline.

This ensured successful completion of all transactions, protecting the client’s investment and avoiding financial loss—demonstrating the importance of working with an experienced buy-to-let mortgage broker for complex property finance scenarios.