Buy-to-let
Fund your buy-to-let investment with equity from your property
Used responsibly, a HELOC can provide valuable benefits. However, as it is a second charge mortgage (also known as a secured loan), consider how it might affect your ability to secure additional borrowing in the future. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Discover the Selina HELOC, the UK’s most flexible loan
More than £30m in equity unlocked with Selina
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Under 48 hours from application to offer in most cases
Join more than 4,000 UK homeowners who have unlocked their home’s value with Selina
Use a Selina HELOC to secure your next buy-to-let
A Home Equity Line of Credit (HELOC) is a flexible, secured loan that lets you borrow against the equity in your main residence without changing your existing mortgage. For buy-to-let investors, it provides a fast and affordable alternative to bridging or auction finance. Whether you’re bidding at auction, funding a deposit, or securing a below-market-value property, a HELOC allows you to act as a cash buyer and move quickly when opportunities arise.
You receive a credit limit and can draw funds as needed, repay, and reuse the available balance for up to five years. You only pay interest on what you use, and monthly repayments are required on the drawn balance. There are no ongoing fees, no need to remortgage, and no early repayment charges.
The facility stays open for up to five years, giving you the flexibility to repay and redraw as new investment opportunities come along. Once you’re ready, you can refinance with a buy-to-let mortgage on your own timeline.
Go from property owner to property mogul with a Selina HELOC
No need to wait on a buy to let mortgage
Buy to let mortgage applications can take time. A Selina HELOC lets you unlock funds from your main home now, so you’re ready to move when opportunity strikes.
Why rely on rigid auction finance?
Traditional auction or bridging finance can be expensive, inflexible, and stressful. A HELOC gives you a more affordable, reusable credit line with no ongoing fees or early repayment charges.
Be ready at auction and act as a cash buyer
Draw the funds you need to secure the deal, without delays. With a HELOC, you can step in quickly and compete with cash buyers.
Buy, renovate, rent, repeat
Use your HELOC to fund the purchase and early refurbishments, then refinance with a buy-to-let mortgage once the property is ready for tenants.
Refinance when you’re ready
There’s no rush. Keep the facility open for up to five years, repay on your terms, and refinance when it makes the most sense for your investment.
Customers are using the HELOC to fund buy-to-lets
Whether it’s securing a buy-to-let, renovating a first investment, or building long-term financial freedom, Selina customers are using their HELOCs to take the next step with confidence and control. Here’s what they’re saying.
“We needed to move fast at auction without the stress”
Speed is critical when buying at auction. This investor used their HELOC to access funds quickly and act like a cash buyer without resorting to costly bridging finance.
“We didn’t want to remortgage just to buy our first rental”
Getting into buy-to-let doesn’t have to mean refinancing your main home. This couple used their HELOC to fund their first investment without disrupting their existing mortgage.
“We needed flexible funds for deposits and renovations”
This small developer uses their HELOC to bridge the gap between purchases and long-term finance, keeping projects moving without delays.
“We were done with rigid and expensive bridging loans”
After dealing with high fees and inflexible terms, this investor chose a HELOC as a simpler, more affordable alternative to bridging finance.
“We wanted a low-pressure way to start investing”
This family used their HELOC to diversify into property at their own pace, without needing to liquidate savings or commit to fixed borrowing.
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How Selina’s HELOC compares against other financing options
One facility, many possibilities
Your life isn’t one-size-fits-all,your borrowing shouldn’t be either. Renovate now, pay school fees later, support your business in between. A Selina HELOC adapts as your needs do, without the hassle of reapplying every time.
A simple, hassle-free process
Check your eligibility
Answer a few simple questions in just two minutes.
Get a personalised quote
Complete your full application in ten minutes. There’s no commitment, and getting a quote won’t affect your credit score.
Speak to an advisor
We’ll understand your situation and goals before recommending the right product.
Submit your documents
If you decide to proceed, provide the necessary documents, and you could receive the funds in as little as 48 hours.
Get your quote now – it only takes two minutes and won’t affect your credit score.
Get a quoteYour questions, answered
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments.
What people say about Selina Finance
Selina Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 820183). Our registered address is HYLO 103-105 Bunhill Row, London EC1Y 8LZ