Finova, the UK’s largest cloud-based mortgage and savings software provider, has today announced the launch of its new pre-configured specialist buy-to-let (BTL) origination solution for lenders.
Delivered via Finova Lending – its end-to-end mortgage origination platform – the solution allows banks, building societies, and specialist lenders to enter or scale into the growing specialist BTL market in as little as four months. Crucially, lenders do not have to replace existing systems to use the solution and launch a new specialist BTL product.
It is a complete solution that supports the full BTL lifecycle, from application to completion. It is pre-configured to support a wide range of lending types including limited companies, individuals, and portfolio landlords. It also handles a broad spectrum of property types, from standard rental homes to Houses in Multiple Occupation (HMOs) and multi-unit freehold blocks (MUFBs).
Built in consultation with the intermediary community, the solution is shaped by extensive research with brokers and distributors, reflecting their workflows, priorities, and pain points. It includes an intuitive broker portal, enabling faster submissions, fewer errors, and better visibility across the application journey.
The platform also features task-driven case management with straight-through processing, a configurable risk engine for fast and accurate decisioning, and a financial products engine to manage pricing, fees, and lending rules with precision and flexibility. It comes pre-integrated with key services, including Experian, Companies House, Landmark Quest, and Loqate.
The solution is modular and API-native, designed to sit alongside lenders’ existing origination and servicing systems. This enables lenders to trial and scale new propositions in parallel, without disrupting day-to-day operations.
Early performance testing and customer pilots have shown the potential to double daily application throughput and substantially reduce staff effort per case, highlighting its operational efficiency.
More information can be found at finova.tech/btl.
Gareth Richardson, CEO of Finova, said:
“The specialist buy-to-let market is set to reach £54 billion by 2029, driven by increasing demand for more complex lending products such as limited company, HMO, and portfolio cases. But many traditional systems just can’t keep up, leading to bottlenecks, longer application-to-offer times, and slower product launches.
“Our platform is designed to change that. It lets lenders go live in as little as four months, handle the full BTL lifecycle smoothly, and scale their operations without upsetting existing systems. By combining pre-configured specialist features, intelligent risk management, and automation that still gives staff room to step in when needed, we’re helping lenders move faster, work smarter, and ultimately provide a better experience for both borrowers and brokers.
It’s a key part of our wider vision to modernise banking technology across the UK.”
