Mortgages for landlords and investors

We search for the best investment mortgage for you, whether it’s for a BTL, HMO or MUFB.

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WHY WORK WITH US?

At Rokform Finance, we pride ourselves on delivering exceptional service and expertise
to meet all your mortgage needs.

Tailored Solutions

We understand that every client is unique. Our bespoke mortgage and insurance solutions are designed to meet your specific needs.

Expertise in Mortgage Sector

With extensive experience in the industry, our dedicated team offers unparalleled knowledge, strategic insights and practical guidance.

Comprehensive Services

From residential and commercial mortgages to a wide range of insurance products, we offer a one-stop solution for all your financial needs.

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Some forms of Buy to Let are not authorised and Commercial Finance are not regulated by the Financial Conduct Authority

Residential Property Insurance

BTL (Buy To Let)

Buy to let mortgages are designed to help you own a property that you intend to rent out to other people, rather than to live in. The amount you can borrow usually depends on the rental income you expect to earn from tenant.

We access the whole market to ensure we get the best rates for you to maximise your monthly profit.

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HMO

A house in multiple occupation (HMO) is any property with shared facilities such as bathrooms and kitchens that is rented out to three or more people who aren’t part of a single family.

HMO mortgages are complex and depend on a lot of variables, and speaking to an experienced broker is vital.

If you require a Commercial Valuation outside of Article 4 then we can help choose the right lender.

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MUFB

A multi-unit freehold block (MUFB) is a single freehold property that has multiple self-contained units.

Each unit will have separate entrances, kitchen, and bathroom areas, and they can have communal areas such as hallways and outdoor spaces.

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Auction Purchase of a Vacant Bank

Our client lost their funding at the 11th hour and subsequently had Notice to Complete served on them, leaving them at risk of losing their 10% deposit, we issued terms same day and completed within 7 days of instruction. The client will apply for planning to convert the upper floors to Residential and look to retain the block long term.

FINANCIALS
Purchase price: £144,000
Bridge loan – 75%: £108,000

8 Bed HMO

Our client was purchasing a bungalow with planning pending to convert to a 8 bed HMO, the lender chosen was flexible with the planning pending to complete on the purchase, and once the drawdown facility would kick in.

New Build HMO

New Build HMO Bristol

Our client was purchasing a plot of land with planning to build a 6 bed HMO, we found a lender that could complete very quickly to ensure the clients offer was attractive to the motivated seller.

Case Study:

Supporting Growth in Assisted Living
One of our clients, a property developer specialising in care sector housing, needed to refinance a nine-bedroom HMO in Bristol. The property had undergone extensive renovation and was let on a long-term lease to a care provider offering supported living for adults with learning disabilities and autism. The client required a term loan to exit a bridging facility and release additional capital for future investment. Refinancing HMOs in this sector can be complex, as lenders must understand both the asset and its social value. Our broker identified a specialist lender willing to assess the case as a residential investment mortgage rather than a commercial one. The lender approved a loan on a two-year fixed rate, plus a Green Cashback Reward thanks to the property’s EPC rating.

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Ready to secure the best mortgage deal for your property?

Our team of experienced advisors is here to help you every step of the way.

Book Your Free Initial Consultation: Book an appointment with one of our experts to discuss your financial situation and mortgage needs.

Take the first step towards your property goals with Rokform Finance today!


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    Rokform Finance is a trading style of Rokform Mortgages Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority, number 1031889. Registered in England and Wales no 16184015, Registered Address: 195-197 Whiteladies Road, Bristol, England, BS8 2SB. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Equity Release – This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. Some forms of Buy to Let mortgages and Commercial Finance are not regulated by the Financial Conduct Authority. Rokform Mortgages Ltd are not authorised to provide advice on Commercial products, these will be referred to a third party. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.