Buy-to-Let Mortgage Specialists
London & Southern England
✓ Whole-of-Market Independence: Unrestricted access to specialist, broker-only BTL lenders across the UK
✓ SPV & Limited Company Experts: Tax-efficient structural planning designed around your personal tax bracket.
✓ Direct Access to Richard Levinson: Over 20 years of specialist mortgage experience handling your deal from start to completion.
Book a Free Portfolio Assessment
Discover which specialist BTL lenders will approve your deal before you commit to a hard credit search:
Maximise Your Portfolio Yield with SL&M Ltd
Pre-Vetted Portfolio Stress-Testing
We manually stress-test your portfolio against real lender ICR criteria before you pay any valuation fees.
Future-Proofed Funding Structures
We map out your borrowing three deals ahead so you do not hit the four-property portfolio landlord ceiling by accident.
True Advisory Independence
​SL&M Ltd operates with zero preferred lender panels, meaning our advice is entirely un-biased and focused solely on your yield.
Navigating the 4+ Portfolio Landlord Threshold
Once you own four or more mortgaged properties, mainstream high-street banks change how they view your risk profile. The introduction of strict portfolio underwriting rules means that growth actually shrinks your borrowing options unless you plan around it. At SL&M Ltd, we specialise in placing complex, multi-property buy-to-let finance with specialist lenders. We understand how your ownership structure impacts your borrowing capacity, allowing you to unlock equity and keep your property business moving forward seamlessly.
Call us today to discuss your mortgage options with an expert adviser at SL&M:
Specialist SPV and Limited Company BTLs
Section 24 tax changes mean the right structure is vital for higher-rate taxpayers. We focus on limited company and SPV mortgage structures that protect your profitability. We evaluate how your tax bracket alters lender affordability tests, ensuring your applications are matched with lenders who accommodate corporate borrowing.
Direct Specialist Representation from Start to Finish
Founded by Richard Levinson, SL&M Ltd provides direct, out-of-hours communication for busy landlords across London and Southampton. You work exclusively with a senior adviser throughout the entire lifecycle of your loan. We actively manage the paperwork, handle the lender queries, and protect your personal credit profile.