Fleet Mortgages
Fleet Mortgages

Fleet Mortgages

Fleet Mortgages is a Buy to Let and specialist lender based in Fleet, Hampshire. Lending exclusively through the intermediary sector, we offer Buy to Let mortgages for residential landlords as well as limited companies and those seeking finance for Houses in Multiple Occupation (HMOs).

Every family, whatever shape or size, is different. Whether it’s helping first time

Key Features Video

Proc Fees

Product Gross Net
Product Transfers 0.35% 0.33%
Product Type When does the lender pay PMS? Frequency
All Within 14 days. Daily.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  

Key Features

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    Portfolio Landlords Unlimited background portfolios - No stress test on the background portfolio

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    Simple Rental Calculations (including higher rate taxpayers)

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    Capital Raising (including for business purposes)

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    Shared Accommodation (standard houses) Rent calculated per room, multi ASTs accepted, locks on bedroom doors, must have a communal room (on Standard & Limited product range)



Fleet Mortgages, the Buy-To-Let specialist lender, has continued to operate through the pandemic and we have quickly worked our way back to the ‘new normal’. Fleet Mortgages is an intermediary only lender who caters to both professional and amateur landlords, on an Individual or Limited Company basis, for both regular residential properties, HMOs and Multi Unit Blocks.

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Register to place business with Fleet Mortgages:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


Current Service Levels

  • We always strive to keep our turnaround times to 24-hrs on DIPs, valuations, and Documents
  • Take a look at our Live Chat on our website www.fleetmortgages.co.uk and speak to a member of our highly experienced BDM team immediately.
  • No switchboards or recorded messages, you can speak directly to our dedicated BDMs when calling our office.  Our average call wait time is less than 30 seconds!
  • You can also get through direct to your underwriter.
  • Or get a same day response by emailing us at [email protected] or your BDM direct.


Flexible Criteria

  • Rental Calculations – Starting at 125% @ 3.69%, available for all rate taxpayers
  • No stress testing/affordability checks on background BTL portfolio
  • Day 1 re-mortgages – we will lend against the new property value if significant works have been completed.
  • Minimum income- £15k
  • Multiple sources of income accepted including rental income.
  • Minimum age 21 (25 for first time landlord) up to maximum age 89 at start and 95 at end of mortgage term
  • Up to £5 million exposure with us
  • Properties next door are acceptable
  • We allow properties with balcony/deck access
  • We accept properties above or adjacent to commercial
  • Capital Raising for allowed for all purposed, excluding gambling and some tax bills.
  • Free/discounted valuations on all standard and Limited Company cases (Not HMOs or MUBs)

Ltd Company

  • Up to 75% £1m lend (70% to £1.5m)
  • New, existing or subsidiary SPVs
  • Up to 4 applicants
  • Individual to Ltd Co Name
  • Intercompany & Director loans



  • Licenced HMOs up to 6 bed
  • Up to 10 self-contained units in one freehold title
  • 2 self-contained units under one title qualifies for our standard products
  • Shared accommodation available on our standard products



  • Individual, Limited Company and HMO/MUB products available
  • Pay rate products available starting at 125% @ 3.69%
  • Tracker rates starting from 3.30% with no ERCs
  • Product transfers available for customers who has submitted their case after 9th April 2019



At Fleet Mortgages you can contact both an experienced internal and external BDM who are always happy to help.  You can reach your internal BDM on 01252 916800 or at [email protected]


Registering with us is quick and easy, Click here and our sales team will activate your registration within 24 hours.


Click here to access our website

Why Fleet Mortgages?

Check out the video to see how Fleet Mortgages, a specialist buy to lender working exclusively with Intermediaries, could help your advisory business.