The Mortgage Cafe
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The Mortgage Cafe
We offer specialist mortgage services with access to the whole market for business, commercial and buy to let mortgages to assist our clients in buying new property or refinancing existing property. Try our secured loan comparison engine to find Second Charge loans available to you for capital raising without refinancing away from your current lender.

Our whole of market access to over 50 lenders brings you the best interest rate options with buy to let tracker rates starting at 1.46% pa. We specialise in finding mortgages for investment properties, both Buy to Let (BTL) and multiple occupation, whether Houses of Multiple Occupation (HMO) or Multi-Unit Freehold Block (MUFB) properties.
Services
The Mortgage Caf Limited is a Whole of Market independent mortgage broker working with all lenders in the market. These lenders range from the traditional 'high street' lenders to specialised lenders with specific niche lending criteria. Our expertise in mortgages has been built around knowledge gained from all aspects of the financial services industry in a period spanning over 25 years.
Thank you, your details have been received. We will now review your details and find suitable mortgage products that fit your requirements. Please look to find an email from paul.obrien@mortgagecafe.co.uk. This email will have attached to it a PDF showing the mortgage products we have found for you.
Our Refurbishment Buy to Let product offers your customer the best of both worlds when financing a refurbishment project - the flexibility of Bridging Finance with the security of a long term mortgage once the property has been refurbished. Properties purchased at auction that require light refurbishment to be acceptable for mortgage purposes.
Will you require planning permissions for the work you intend to carry out on the property. Fill out this step if you require option to switch to a term buy-to-let mortgage after works completed, or take advantage of equity drawdown on increased value. Improved value LTV After the renovation work has completed borrowing can be increased to a maximum of 85% of the finished property value even within 6 months of purchase.
The light refurbishment mortgage can be utilised to purchase, or remortgage, a property needing limited repairs, redecoration and refurbishment. It is suitable for most single dwelling buy to let investment property and HMOs. Will you require planning permissions for the work you intend to carry out on the property.
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