Buy-to-let mortgages can be complicated in the best of times. And many, such as non-standard construction types and ‘houses of multiple occupancy’, have always been considered complex.

Market changes mean it’s currently even more complex to place buy-to-let cases.  If you’re struggling to find a solution for your client, you can lean on the expertise of our referral partners.

You can earn up to 50% of the enhanced lender procuration, depending on the partner and the type of service that you choose. The average commission for complex buy-to-let mortgages is £976 – please contact your referral partner for more information.1



  • Your client is a portfolio landlord.
  • Your client is a foreign national or ex pat.
  • Your client needs a day-one remortgage.
  • They're a first-time buyer or landlord.
  • They have an adverse credit history.
  • They need a lender that doesn't have a minimum income requirement or that allows self-funded buy-to-lets.
  • They need flexible rental calculations, or flexibility around personal income / asset top up.
  • The property is high value.
  • It's of non-standard construction / listed.
  • It's a flat above commercial property.
  • It's a house of multiple occupancy or student let.
  • It's a holiday or other short-term let.
  • It's a multi-unit freehold block.
  • It's set up in a limited company / LLP (SPV & trading companies).
  • You’re not an expert in complex buy-to-let mortgages.
  • A lender is not available to you directly.
  • The permissions you’ve been given through your network mean you can’t advise your client directly.
  • Your professional indemnity policy doesn’t cover complex buy-to-let mortgages.
  • Referring your client will better help you meet consumer duty regulations.

Why refer with us

Referral Pro simplifies the referrals process, making it easy for you uncover new referral opportunities, expand your offering and help more clients achieve their financial goals. 

Each of our partners is a known industry expert, checked by us before inclusion in this service. Each operates under a contractual ‘no cross / repeat sale’ policy, protecting your business and income streams. And some are rated 'Advisers Choice' by advisers like you to reflect good experiences.