Property Finance
Route Checker
Answer a few questions about your property deal. Get a personalised finance route, stress test result and a shortlist of lenders most likely to accept your case — instantly, for free.
- BTL affordability check — stress test, max loan, LTV analysis
- Recommended finance route with clear reasoning (BTL, HMO, bridging and more)
- Weighted lender pool across 28+ specialist and high-street lenders
What the checker gives you
Three things a broker would normally need a call to tell you
Affordability Check
Stress test, max loan by rent, max loan by LTV — and whether your rental income is sufficient. HMO, MUFB and holiday let rent deductions are applied automatically before the numbers are run.
Finance Route
Which route is most likely to work for your deal — standard BTL, specialist, HMO-only lenders, bridging, or a combination — explained in plain English with the key reasons.
Lender Pool
A scenario-weighted shortlist of lenders ranked by fit — not a generic list. Adverse credit, first-time landlord, limited company and other challenges all affect which lenders score highest.
How it works
Four steps. Under four minutes.
Your deal
Property value, loan amount or rental income — you only need two of the three. The tool derives the third.
Deal type
Standard BTL, HMO, holiday let, MUFB, bridging, development exit or commercial. Each triggers different lender logic.
Your situation
Any challenges — adverse credit, first-time landlord, limited company, visa, self-employed. Each shifts the lender scoring.
Your results
Stress test numbers, finance route recommendation and a ranked lender shortlist — ready immediately, no waiting.
The tool
Check Your Finance Route
Results are shown immediately after step 3
Tell us about the deal
We'll run the stress test and LTV check in the background.
This tool provides an indication only and does not constitute mortgage advice, a mortgage offer, or confirmation of lender acceptance. Lending criteria, rates and affordability calculations vary by lender and can change frequently.
After the checker
What happens next?
The checker gives you direction. We give you a confirmed deal and manage everything from application to offer.
Review your results
Your route, stress test numbers and lender shortlist are ready immediately after step 4. Screenshot or save them — or book a call directly from the results page.
Book a strategy call
We review your case against live lender criteria, rate changes and underwriting overlays — things a tool can't fully account for. No cost, no obligation.
We manage the process
From packaging your case to lender submission and negotiation, we handle the process. You stay informed at every stage and we chase the lender so you don't have to.
No commitment · Specialist property finance brokers · FCA authorised
About Moneta Property Finance
Specialist property finance brokers for UK landlords and investors
Moneta Property Finance specialises exclusively in property investment finance — buy-to-let, HMO, MUFB, holiday let, bridging and commercial. We work with landlords, portfolio investors and developers across the UK.
Unlike generalist brokers, our specialist focus means deep relationships with lenders who understand complex and unusual cases — and the experience to get them over the line.
BTL · HMO · MUFB · HL
Property types covered
28+
Lenders on our panel
FCA
Authorised & regulated
Whole-of-market
Broker access
Common questions
Frequently asked questions
Is the Property Finance Route Checker free?
Yes, completely free. No registration, no credit check and no obligation. Enter your property details, answer a few questions and receive your results instantly.
What does the affordability stress test check?
The checker runs your rental income against a stressed interest rate (typically 5.5–6.5% depending on your product type) at the standard lender ICR (125% for basic rate, 145% for higher rate taxpayers). For HMO, MUFB and holiday let, the standard lender rent deductions are applied automatically before the stress test is run.
How accurate are the lender results?
The lender pool is a directional guide based on known lender criteria and scenario-weighted scoring across 28+ lenders — not a confirmed decision. Lender criteria changes regularly and the final outcome depends on a full underwriting assessment. Use the results to understand the landscape, then speak to a broker for a confirmed match.
Do I need to enter all the numbers?
No. You only need a property value plus one of either a loan amount or monthly rent. The checker derives the missing figure and flags it clearly in the results.
What property types does the checker cover?
Standard buy-to-let, HMO (houses in multiple occupation), MUFB (multi-unit freehold blocks), holiday let, bridging and auction finance, development exit finance, and semi-commercial or commercial property.
What happens after I see my results?
You can use the results to guide your planning, or take them to a broker who can check them against live lender criteria. If you'd like Moneta Property Finance to review your case, you can book a free strategy call directly from the results page — or use the button above.
This tool provides an indication only and does not constitute mortgage advice, a mortgage offer, or confirmation of lender acceptance. Lending criteria, rates and affordability calculations vary by lender and can change frequently. Moneta Property Finance is authorised and regulated by the Financial Conduct Authority.