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Specialist Buy to Let
Our specialist Buy-to-Let service is for landlords who let non-conventional properties, adopt non-standard tenancy styles, or who own properties in portfolios or via limited companies.
The Panthera Finance team have built strong relationships with specialist BTL and niche lenders and can guide you through the solutions available for all forms of tenanted property.
What is a specialist BTL mortgage?
A specialist buy-to-let (BTL) mortgage is designed for landlords with unique borrowing needs, such as portfolio landlords, limited companies, expats or those investing in Houses in Multiple Occupation (HMOs), where standard BTL mortgage products may not be suitable.
Specialist BTL mortgage lending
This type of loan offers clients access to flexible criteria, a more comprehensive lending appetite and tailored underwriting to accommodate complex rental income structures or unconventional property types. With many landlords diversifying into holiday lets and multi-household tenancies, standard BTL mortgages are often unable to provide an appropriate finance solution.
Property finance for landlords with non-standard tenancies
Many landlords are diversifying into short-term lets, HMOs, multi-unit properties, and corporate-style tenancy agreements.
In addition to landlords with one rental property, we can also assist portfolio landlords who have multiple properties and earn income primarily from lettings, own numerous properties, require cross-property or portfolio loans, or need to transfer borrowing between assets.
Specialist property finance for Limited Companies
Lending options for properties owned via limited company structures are becoming more sophisticated every year and we take time to stay on top of all developments relevant to our clients. Whether you have a single property or an investment portfolio, the Panthera Finance team can assist with obtaining mortgages for both property (SPV) and trading companies.
Obtaining specialist BTL mortgages with Panthera Finance
Many mainstream lenders are still unable to lend to limited companies but Panthera’s expert broker team have a strong understanding of all forms of tenancy and work closely with the lenders who can cater for them. This enables us to tailor solutions for hobby, portfolio and professional landlords who own their properties via companies.
Get in touch with our team to find your specialist BTL mortgage.
Meet our dedicated team
Meet our specialist Buy to Let finance advisors.
Alex Weldon
Associate Director
With 15 years’ experience in the property industry, Alex has extensive knowledge of the London & wider UK housing markets.
Since joining the finance sector in 2018, he has developed lending expertise and built strong lender relationships, achieving exceptional results for a diverse range of clients, including first-time buyers, portfolio landlords and high net worth individuals.
With a degree in engineering & design, Alex is highly analytical and excels in finding solutions for complex scenarios.
Alex is a dedicated father of two young children who enjoys the occasional round of golf while balancing family life.
Jason Caprioli
Lending Director
Jason is a partner at Panthera Finance LLP and the company’s principal commercial specialist.
He focuses on securing development debt, long-term finance and equity for residential and commercial projects. With prior experience at major UK banks including Barclays and Coutts, as well as specialist start-ups, Jason excels in finding comprehensive finance solutions.
His close relationships with key lenders & funders and his attention to detail help to facilitate reliable funding decisions early in the process.
Jason is a keen athlete and has completed an Ironman and swum the English Channel. He regularly undertakes challenges to raise funds for both children’s and cancer non-profit organisations.
Anthony Farren
Senior Mortgage & Protection Advisor
Since joining Panthera Finance in 2019, Anthony has specialised in residential, buy-to-let, expat mortgages, complex lending, and short-term bridging finance.
He serves a diverse client base, including first-time buyers, home movers, and expats seeking investment opportunities, offering tailored solutions to meet their needs.
As a skilled protection advisor, Anthony also helps clients with life insurance and protection planning, ensuring their financial security and peace of mind.
At home on the golf course and tennis court, he can also be found in the gym. When not there, Anthony loves to spend time with his family & friends, especially in a pub garden on a summer’s day.
Dan Gracie
Specialist Lending Director
With 18 years’ experience as a mortgage broker, Dan now specialises in complex cases and earned the 2023 British Specialist Lending Award for “Broker: Complex Income.”
He has developed strong relationships with lenders, which he leverages to create bespoke solutions for clients who don’t fit traditional criteria.
Dan handles a diverse range of scenarios, including expats, foreign currency income, overseas work, company owners, high net worth individuals, commercial properties and large property portfolios.
Outside work, Dan can usually be found on the tennis court, experimenting with different cuisines in the kitchen, or being a roadie for his drummer son and dancer daughter.
Tim Kemp
Co-founder
Tim is a co-founding partner of Panthera Finance LLP and the company’s principal.
He has 18 years’ extensive experience advising high and ultra-high net worth clients on high-value mortgages. Trusted by the UK’s top lenders, he connects clients with private banks for a holistic financial approach.
With a background as a financial planning consultant for expats in Singapore and many years as a mortgage broker in London, Tim provides mortgage advice in the context of a clients’ broader financial needs.
Tim enjoys spending time with his wife and son when not working and loves to travel and keep fit. He splits his time between London and Liverpool.
Andrew Chalton
Private Client Director
A former winner of the British Mortgage Award for “Large Loans,” Andrew is a seasoned structured debt advisor with over a decade of experience delivering bespoke funding solutions for high-net-worth and private clients.
He has cultivated strong relationships with Family Offices and key individuals within private equity and hedge funds. His expertise allows him to craft tailored solutions for clients with non-traditional income streams and diverse asset structures, ensuring their unique financial objectives are met.
Andrew is dedicated to providing exceptional service across time zones, ensuring both domestic and international clients receive the attention they deserve. His extensive network of professionals, including lawyers, tax advisers, buying agents and interior designers, enables him to address all client requirements seamlessly.
In his downtime, Andrew enjoys listening to motivational podcasts, traveling with his fiancée, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
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Our professional advisors would be delighted to speak with you and discuss your requirements.
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