Interest Only Mortgages
Lower your monthly payments and maximise cash flow with interest-only mortgage options for residential and buy-to-let properties.
Maximise your monthly cash flow
Interest-only mortgages offer significantly lower monthly payments by deferring capital repayment to the end of the term. For investors focused on rental yield and capital growth, or homeowners with a clear repayment strategy, this can be a powerful financial tool.
While many mainstream lenders have tightened their interest-only criteria, specialist lenders continue to offer competitive terms for borrowers who can demonstrate a credible repayment vehicle. Doulton Bridging Finance identifies the right lender for your situation, whether you plan to repay through property sale, pension, investments, or other means.
Interest-only options for every circumstance
Lower Monthly Payments
By paying only the interest each month, your payments are significantly lower than a repayment mortgage. This frees up cash flow for other investments or living costs.
Residential and BTL Options
Interest-only is available for both residential homeowners and buy-to-let investors. Different lenders have different criteria for each, and we know which ones to approach.
Multiple Repayment Vehicles
Lenders accept a range of repayment vehicles including property sale, pension drawdown, investment portfolios, other property equity, and savings plans.
Self-Employed Friendly
Business owners and self-employed borrowers can access interest-only terms. We work with lenders who assess accounts, tax returns, and retained profits flexibly.
Company Structures
SPV and limited company borrowers can secure interest-only mortgages, particularly for buy-to-let portfolios where maximising rental yield is the priority.
Part and Part Available
If full interest-only is not available or suitable, part-and-part mortgages combine interest-only and repayment elements to balance cash flow with capital reduction.
How it works
Assess Your Position
We review your income, assets, and repayment vehicle to determine which interest-only options are available and which lenders are the best fit.
Lender Search
We search across 130+ lenders to find the most competitive interest-only rates for your circumstances, whether residential or investment.
Application Support
We prepare and submit your application with the supporting documentation needed to demonstrate a credible repayment vehicle to the lender.
Completion
We coordinate valuation, legal work, and lender requirements to complete your interest-only mortgage as efficiently as possible.
Explore interest-only mortgage options
Find out what interest-only rates are available for your property and circumstances. Our team provides a personalised quote within hours.