Complex buy-to-let mortgages

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.

Ready to refer?

Earn commission on specialist finance, conveyancing, insurance and more. Just fill in the referral form and your chosen referral partner will be in touch soon.

Refer client now

Earn commission on specialist finance, conveyancing, insurance and more. Just fill in the form and your chosen referral partner will be in touch soon.

Refer client now form

* Required

This service is for Legal & General Mortgage Club members only.

Not registered yet? Find out how to join or request a callback.

Name *

Company *

Telephone *

Email *

Referral Type *

Restricted mainstream lenders *

Specialist residential mortgages *

Complex buy-to-let mortgages *

Second charge mortgages *

Bridging finance *

Development finance *

Commercial mortgages *

Commercial finance *

High value mortgages *

Self build mortgages *

Overseas mortgages *

Later-life lending *

Unsecured loans *

Conveyancing *

Home insurance *

Landlord insurance *

Specialist property insurance *

Specialist health insurance *

Protection *

Business insurance *

Wills and trusts *

Household emergency and boiler cover *

Other Information

For example: what is your client’s objective? Please do not provide personal information about your client at this stage.

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Consent *

Tick to confirm that you have explicit consent to share your clients’ details with your chosen referral partner.

This website is designed to help professional mortgage and financial advisers diversify and develop their business, and shouldn't be relied on by private investors, customers or any other persons. It remains the responsibility of the regulated firm or adviser using this service to select the partner they wish to work with, assess any client fees and commissions and to agree terms of business and or contracts directly with them. It is also the adviser’s responsibility to make sure that the information and/or advice provided by Legal & General’s referral partners provide is accurate and in line with FCA (Mortgages and Home Finance) conduct-of-business rules and guidance. If you’re unsure, you can contact our support team at referralpartnerservices@landg.com

Advisers who are employed, are an appointed representative of a network and/or have contracts in place with any party linked to Legal & General who also have an interest in these referral areas should check their permission to use this service before engaging with any of our referral partners.

Complex buy-to-let mortgages

When to refer You may choose a Complex buy-to-let referral if:

Why refer not advise You may choose to refer a Complex buy-to-let case because:

Why refer with us

Ready to refer?

Refer client now

Refer client now form