The Specialist Mortgage Broker
Complex lending
made straightforward
We specialise in HMO mortgages, multi-unit blocks, limited company buy-to-let, bridging finance and commercial lending. No broker fees — ever.
£0
Broker fee — ever
50+
Specialist lenders
5,000+
Products searched
Free · No obligation · No broker fee
Speak to a specialist today
Tell us about your case and we’ll search the whole market and get back to you the same day.
Our lender panel
Paragon
Fleet Mortgages
Landbay
Kensington
Aldermore
Shawbrook
LendInvest
West One
CHL Mortgages
Keystone
Zephyr
Moda Mortgages
and 20+ more
What we do
Specialist lending is all we do
We focus on the complex end of the market — the cases that require specialist knowledge, specialist lenders, and a broker who understands the criteria inside out.
Most popular
HMO Mortgages
Small and large HMOs, personal and limited company, first-time and experienced landlords. From 3-bed student lets to 20-room professional HMOs.
View HMO mortgages
Specialist
Multi-Unit Block Mortgages
MUFB mortgages for small blocks (up to 6 units) and larger freehold blocks of 7+ units. Personal and limited company, all landlord profiles considered.
View MUFB mortgages
Tax efficient
Limited Company Buy-to-Let
SPV and trading company mortgages for portfolio landlords. Access to lenders offering the same rates as personal — no rate premium for the structure.
View Ltd Company BTL
Fast decisions
Bridging Finance
Fast short-term lending for property acquisition, refurbishment and auction purchases. Regulated and unregulated bridging, first and second charge.
View bridging finance
Investment & owner-occupier
Commercial Mortgages
Commercial investment and owner-occupier mortgages. Semi-commercial, mixed-use and complex commercial security considered alongside standard lending.
View commercial mortgages
Personal & portfolio
Buy-to-Let Mortgages
Standard single-let buy-to-let for personal and portfolio landlords. Whole-of-market access including lenders with enhanced stress testing and top-slicing options.
View buy-to-let
Why Adept Mortgages
Specialist advice.
Not a generalist
We focus exclusively on complex landlord and commercial lending. That means we know the lenders, the criteria and the edge cases — and we never charge you a penny for our advice.
01
We specialise in complex cases
HMOs, multi-unit blocks, limited company structures, commercial property, bridging finance — the cases other brokers refer on, we handle in-house.
02
No broker fee — ever
We receive a commission from the lender when your mortgage completes. You pay nothing. This is how we operate on every single case, without exception.
03
Intermediary-only access
Many of our best lenders don’t accept direct applications. The only way to access them is through a broker — and we’re on their approved panel.
04
One broker, start to finish
You deal with the same person from your first enquiry to completion. No call centres, no hand-offs, no chasing. Straight advice throughout.
15+ years
Specialist mortgage experience across HMO, MUFB, commercial and bridging
Same day
Response aim — we aim to get back to every enquiry the same day, Mon–Sat
Intermediary only
Access to lenders who don’t accept direct applications — only available through a broker
4.8 / 5 — Excellent on Trustpilot
Rated Excellent by our clients
Rated Excellent by our clients
How it works
From first call to completion
We work with you through every stage of the process — not just finding the right rate, but getting your mortgage from application to offer to completion.
1
Tell us about your case
Call us, email or complete our online form. We’ll take the details of your case — property type, ownership structure, loan size and landlord experience.
We confirm your details and advise on the best approach before searching the market
2
We search the whole market
We research our full panel of specialist lenders and present the best options ranked by true cost — not just headline rate. No obligation, no broker fee.
We present options with a clear recommendation, including rate, fees and total cost
3
Agreement in principle
Once you’re happy with the recommended product, we obtain a decision in principle from the lender — confirming that lending is likely subject to full application.
We manage the DIP process and advise on documentation needed for full application
4
Mortgage application submitted
We package and submit your full application to the lender, including supporting documents. The lender’s underwriters review your case and instruct a property valuation.
We liaise with the lender, underwriter and valuer throughout — chasing progress and resolving any queries
5
Formal mortgage offer issued
Once the lender is satisfied with the application and valuation, a formal mortgage offer is issued to you and your solicitor. This confirms the lender’s commitment to lend.
We review the offer with you and confirm next steps with your solicitor
6
Completion — mortgage funds released
Your solicitor exchanges contracts and sets a completion date. On completion the mortgage funds are released to the seller and your mortgage begins. For purchases, you receive the keys.
We remain available throughout legal completion and beyond if you need us
Current mortgage rates
Live rates across our key products
Current rate ranges across HMO, multi-unit block and limited company buy-to-let. Ranked by true cost — not headline rate. Pay rate is the advertised initial rate. Effective rate includes the arrangement fee for a true like-for-like comparison.
Updated weekly · August 2026
HMO mortgage rates
Current HMO
Mortgage Rates
Mortgage Rates
Pay rate from
3.05%
Effective rate from
5.59%
Fixed terms
2yr & 5yr
Lenders
30+
Ownership
Personal & Ltd Co
View HMO rates & get a quote →
Multi-unit block rates
Current MUFB
Mortgage Rates
Mortgage Rates
Pay rate from
3.05%
Effective rate from
5.59%
Fixed terms
2yr & 5yr
Lenders
30+
Ownership
Personal & Ltd Co
View MUFB rates & get a quote →
Limited company BTL rates
Limited Company
BTL Rates
BTL Rates
Pay rate from
3.49%
Effective rate from
5.06%
Fixed terms
2yr & 5yr
Lenders
40+
Ownership
SPV & trading company
View Ltd Co rates & get a quote →
Pay rate — the advertised initial interest rate, before any arrangement fees.
Effective rate — the true all-in rate once the arrangement fee is included. The better like-for-like comparison.
Pay rates and effective rates shown are from the current top products ranked by true cost · Effective rate includes arrangement fees · Based on £200,000 loan, interest only · Updated weekly · For illustrative purposes only
Bank of England base rate
Rate cuts since the 2023 peak
The BoE base rate directly influences mortgage pricing. It peaked at 5.25% in August 2023 and has been cut six times since, sitting at 3.75% as of August 2026.
Next MPC decision: 17 September 2026 —
Current rate
3.75%
Peak rate
5.25%
Cut from peak
−1.50%
Base rate
Rate rise
Rate cut
Hold
Source: Bank of England · Data shown at each Monetary Policy Committee decision date · Updated August 2026
Useful tools
Calculate your mortgage costs
Two quick tools to help you understand your numbers before you speak to us. For illustrative purposes only — not financial advice.
Mortgage repayment calculator
What will my monthly payment be?
Enter your loan amount, rate and term. Toggle the fee option to see how adding an arrangement fee to the loan affects your repayments.
£
%
yrs
£
Your results will appear here
Enter your details and click Calculate
Monthly payment
—
With fee added to loan
—
Loan
—
Rate
—
Term
—
Type
—
Rental stress test checker
How much can I borrow on my rental income?
See how product term and tax status affect your maximum borrowing across four common scenarios.
Visual explainer
How product term and tax status affect your maximum loan
Monthly rental income
£
Mortgage pay rate (%)
%
2yr stress rate: 7.49% (pay rate + 2%)
Ltd Company & Basic rate personal — ICR 125%
Best borrowing
5-year fixed — Ltd Co or basic rate personal
Stress rate: (pay rate) · ICR: 125%
Maximum loan
2-year fixed — Ltd Co or basic rate personal
Stress rate: (pay rate + 2%) · ICR: 125%
Maximum loan
Higher rate personal taxpayer — ICR 145%
5-year fixed — higher rate personal
Stress rate: (pay rate) · ICR: 145%
Maximum loan
2-year fixed — higher rate personal
Stress rate: (pay rate + 2%) · ICR: 145%
Maximum loan
Based on £1,500/month rental income at a 5.49% pay rate. For illustrative purposes only — individual lender criteria vary. Not financial advice.
Ready to talk?
Speak to an HMO specialist today
No obligation, no broker fee. Tell us about your case and we’ll search the whole market and get back to you the same day.
Call us
Speak directly to an HMO specialist. We cover small and large HMOs, Ltd Company, first-time landlords and complex cases.
01604 212879 →
Mon–Thu 9am–8pm · Fri 9am–5pm · Sat 10am–2pm
Email us
Send us details of your HMO case and we’ll respond with the best options available for your specific circumstances.
enquiry@adeptmortgages.co.uk →
Request a call back
Not able to talk right now? Use our call back form to tell us the best time and we’ll call you back.
Request a call back →