Geometric blue shapes in the background with white text "Top 10 buy to let mortgage lenders 2026"

Category: guides

We review the top ten lenders in the buy to let mortgage space for 2026.

1. Together

Together stands out as a leading lender for non-standard buy to let scenarios, making it a top choice for landlords with complex financial backgrounds.

Core strengths

  • Adverse credit (CCJs, defaults, missed payments)
  • Unusual properties or non-standard construction
  • Short-term or transitional lending scenarios
  • Flexible underwriting with a manual approach
  • Supports HMO (House of Multiple Occupation), multi-unit properties

2. BM Solutions

A Lloyds Banking Group brand and mainstream lender helping those with standard properties and clean credit profiles

Core strengths

  • Standard buy to let properties
  • Flexible on some credit issues
  • Individual landlords (non-complex setups)
  • Straightforward affordability cases
  • Consistent, reliable underwriting

3. Vida Homeloans

Flexible underwriting for near-prime borrowers, who may not meet high-street criteria.

Core strengths

  • Considers a range of adverse credit
  • Complex income structures
  • First-time landlords and first time buyers with quirks considered
  • Supports HMO (House of Multiple Occupation), multi-unit properties

4. The Mortgage Works (TMW)

Part of Nationwide, The Mortgage Works is a well-known name in the buy to let space.

Core strengths

  • Portfolio landlords
  • Limited company buy to let
  • Supports HMOs
  • Experienced investors
  • Strong rental stress test handling

5. Kensington

Competitive rates that sit between the high street and specialist lenders.

Core strengths

  • Standard buy to let properties
  • Standard HMOs
  • Historic credit issues considered
  • Offers limited company buy to let

6. Paragon

Paragon is a major player in the professional landlord space.

Core strengths

  • Limited company buy to let
  • Tailored products for portfolio landlords
  • Supports HMOs and multi-unit properties
  • Competitive rates for experienced investors
  • Detailed but supportive underwriting

7. Accord Mortgages

Part of Yorkshire Building Society, Accord is known for value-driven products.

Core strengths

  • Competitive pricing
  • Supports portfolio landlords
  • Options for new and experienced landlords
  • First-time landlords considered

8. Leeds Building Society

Leeds Building Society supports mainstream borrowers with standard requirements.

Core strengths

  • Flexible criteria on rental income calculations
  • Supports holiday lets
  • Portfolio landlords

9. NatWest

NatWest offers a blend of competitive rates and mainstream lending criteria.

Core strengths

  • Competitive rates for low-risk borrowers
  • Offers limited company buy to let
  • Suitable for first-time landlords
  • First-time buyers considered

10. HSBC

HSBC offers strong pricing but stricter lending criteria.

Core strengths

  • Standard property types
  • Standard borrowing requirements
  • Require personal income outside of rental property
  • Limited flexibility for complex scenarios

Get expert help finding the best lender for your circumstances based on our panel of over 80 high street and specialist options, representative of the UK market. Call on the free phone number above, or enquire online 24/7.