Business Details
12 Years
experience
Your Trusted Partner for Buy-to-Let Mortgage Solutions
Fleet Mortgages is a people-focused business specialising in buy-to-let lending since 2014. As part of Starling Bank since 2021, we combine our deep market knowledge with a commitment to simplifying complex lending processes. Our philosophy centres on responsible lending, fairness, and delivering a service that prioritises communication and clarity. With over a decade of BTL expertise, we offer automated tools to accelerate decision-making while maintaining a personal touch through dedicated teams. Our acquisition by Starling Bank has enhanced our ability to provide partners with confidence, expertise, and innovative solutions tailored to landlords and intermediaries. 
Services
Buy-to-Let Mortgages
Portfolio Landlord Services
HMO/MUFB Mortgages
Product Transfers
Limited Company BTL
Details
- Year established: 2014
Highlights and features
- We offer a 24-hour DIP review and 5-day valuation turnaround for swift decisions.
- Our team includes specialist BDMs with deep buy-to-let market expertise.
- We provide 1,000 cashback incentives for qualifying HMO and EPC improvement products.
- Our partnership with CoreLogic streamlines portfolio landlord underwriting processes.
- Acquired by Starling Bank in 2021, combining innovation with financial stability.
What people say
Quickest decision-making
Genuine care for clients
Simplified complex cases
Responsive BDMs
Reliable cashback incentives
Services
Buy-to-Let Mortgages
We provide competitive fixed-rate mortgages for residential investment properties. Our products cater to individual and limited company landlords with LTV options up to 75%. Automated tools accelerate credit assessments while maintaining rigorous underwriting standards. Partners benefit from dedicated support throughout the application process.
Portfolio Landlord Services
Specialist underwriting for landlords with four or more mortgaged properties. We use CoreLogic's BTL Hub for real-time portfolio analysis, stress-testing at 125% rental coverage. Our streamlined process handles complex cashflow forecasts and business plans through integrated digital tools.
HMO/MUFB Mortgages
Tailored financing for multi-occupancy properties with enhanced cashback incentives. Products available for EPC-rated properties with flexible rental calculation metrics. We offer dedicated support for higher-risk classifications while maintaining competitive rate structures.
Product Transfers
Simplified re-mortgaging options for existing landlords. Our process enables seamless transitions between fixed-rate products with reduced documentation requirements. Partners access exclusive cashback offers for qualifying portfolio adjustments.
Limited Company BTL
Specialist financing solutions for property portfolios held through limited companies. We offer zero-product-fee options and tailored rental stress-testing at 130% coverage. Our underwriting considers corporate financial health alongside property metrics.
People
Matt Jackson
IT Manager
Oversees technical infrastructure and digital mortgage platform operations at Fleet Mortgages.
Sam Nasim
Pricing Analyst
Responsible for mortgage product pricing strategy and market competitiveness analysis.
Stella Brookman
Senior BDM
Leads broker relationship development with focus on portfolio landlord solutions.
Questions
What buy-to-let mortgage products do you offer?
We provide standard, HMO, and limited company mortgages with LTV up to 75% and cashback incentives.
How quickly do you process applications?
DIP reviews complete in 24 hours, valuations in 5 days, and documents assessed within 5 working days.
Do you support portfolio landlords?
Yes, we have a specialist underwriting process for clients with four+ mortgaged properties using CoreLogic integration.
Are there cashback incentives available?
We offer 1,000 cashback for qualifying HMO products and EPC improvement mortgages.
How are rental calculations assessed?
Standard products require 125% coverage at 5.5% assumed rate, HMO needs 130% coverage.
