Buy-to-let

Fund your buy-to-let investment with equity from your property

More flexibility than bridging and auction finance

Draw, repay and redraw funds as you need

Quick approval & no early repayment fees

Check your eligibility in minutes. Get funded shortly after approval.

Get a quote

This won't impact your credit score

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 £600m in equity unlocked with Selina

Rated 4.8 on Trustpilot

Lower rates than personal loans & credit cards

An isometric illustration of a credit card

FCA regulated and backed by leading financial partners

Quotes in minutes and funding shortly after approval

Join more than 4,000 UK homeowners who have unlocked their home’s value with Selina

Lower rates than personal loans and credit cards

Only pay interest on what you use

Rates starting from 6.64%

No early repayment fees

Borrow £10k - £500k

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.

Get a quote

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.

*Representative example: A 5YR Flexible HELOC of £100,000 drawn out in full over 25 years results in 300 monthly payments of £779.69 at a variable rate of 7.49%, set at 3.49% above the Bank of England Base Rate. The total cost over the full term is £233,906.38 which includes £128,306.38 of interest, a £3,000 arrangement fee and a £2,600 product fee added to the balance. APRC: 8.42%

2-5 year flexible drawdown period

Only pay for what you use

You could be eligible for up to

£300,000

Get a quote

This won't impact your credit score

Estimated home value £450,000

Remaining mortgage amount £110,000

How big could my credit limit be with a HELOC?

Selina offers lines of credit from £10k to £500k, with rates starting from 6.64%

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 had our eye on a two-bed flat at auction and knew it wouldn’t stick around. Traditional finance would’ve taken too long. With the HELOC, we drew the funds in days and secured the property. No delays, no drama.”

Alex, property investor, Birmingham

“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’d been thinking about getting into buy-to-let for years but didn’t want to remortgage our home. Using the HELOC meant we could move ahead without touching our main mortgage or savings.”

Danielle and Chris, first time landlords, Essex

“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’ve used the HELOC for multiple projects now. Deposit here, refurb there, then refinance with a BTL mortgage. The flexibility is what makes it work for us.”

Marcus, small developer, Manchester

“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 used to rely on bridging, but the rates and conditions were tough. The HELOC gives us breathing room, and we only pay interest on what we draw. It’s made our process smoother and more cost-effective.”

Priya, auction buyer, London

“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.

We’re not full-time investors. We just wanted to use our equity to make our money work a bit harder. The HELOC gave us the flexibility to get started without locking ourselves into something inflexible.”

Sam and Rina, family investors, Surrey

An illustration demonstrating various use cases of the HELOC product

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.

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How Selina’s HELOC compares against other financing options

Explore how our HELOC compares to other options like homeowner loans, remortgages, personal loans, and credit cards and discover why it could be the most adaptable solution for your needs.

Type of product

Quick access to funds

Type of product

Amount borrowable

Type of product

Flexibility (access to funds)

Type of product

Pay interest only on what you use

Type of product

Early repayment charges

Type of product

Repayment term

Type of product

Interest rates

Type of product

Max LTV

Type of product
Line of credit (second charge mortgage)

Quick access to funds

Draw as needed

Amount borrowable
£10-£500k

Flexibility (access to funds)
Anytime, up to credit limit over 2-5 years

Pay interest only on what you use

Yes

Early repayment charges

None

Repayment term
5-30 years

Interest rates
Variable rates

Max LTV
Up to 85%

Type of product

Second charge mortgage

Quick access to funds

Lump sum upfront

Amount borrowable

£10k–£500k

Flexibility (access to funds)

Fixed lump sum upfront

Pay interest only on what you use

Early repayment charges

May apply

Repayment term

5–30 yrs

Interest rates

Fixed or variable rates

Max LTV

Up to 100%

Type of product

First charge mortgage

Quick access to funds

Lengthy process

Amount borrowable

Up to 90% LTV

Flexibility (access to funds)

Fixed lump sum upfront

Pay interest only on what you use

Early repayment charges

May apply

Repayment term

5-40 years

Interest rates

Fixed or variable rates

Max LTV

Up to 90%

Type of product

Unsecured loan

Quick access to funds

Quick approval

Amount borrowable

Up to £50k

Flexibility (access to funds)

Fixed lump sum upfront

Pay interest only on what you use

Early repayment charges

Often applies

Repayment term

1-7 years

Interest rates

Fixed or variable rates

Max LTV

N/A

Type of product

Revolving credit

Quick access to funds

Instant (if available)

Amount borrowable

Up to £25k

Flexibility (access to funds)

Up to credit limit monthly

Pay interest only on what you use

Yes

Early repayment charges

N/A

Repayment term

Indefinite

Interest rates

Often 0% intro then 20% +

Max LTV

N/A

Discover your borrowing power

Get a quote in just a few minutes

Borrow £10k - £500k

No impact on your credit score

Rates starting at 6.64%*

Authorised and regulated by the FCA

Get a quote

*Representative example: A 5YR Flexible HELOC of £100,000 drawn out in full over 25 years results in 300 monthly payments of £722.28 at a variable rate of 6.64%, set at 2.64% above the Bank of England Base Rate. The total cost over the full term is £216,685.27 which includes £111,085.27 of interest, a £3,000 arrangement fee and a £2,600 product fee added to the balance. APRC: 7.48%

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How to apply

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 your funds shortly after approval.

Get your quote now — it only takes two minutes and won’t affect your credit score.

Get a quote

Your questions, answered

Get a quote See all FAQs

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

HYLO 103-105 Bunhill Row, London EC1Y 8LZ

Selina Finance Limited is a company registered in England and Wales (11497606) 
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

Buy-to-let

Fund your buy-to-let investment with equity from your property

Discover the Selina HELOC, the UK’s most flexible loan

More than £600m in equity unlocked with Selina

Rated 4.8 on Trustpilot

Lower rates than personal loans & credit cards

FCA regulated and backed by leading financial partners

Quotes in minutes and funding shortly after approval

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

Go from property owner to property mogul with a Selina HELOC

No need to wait on a buy to let mortgage

Why rely on rigid auction finance?

Be ready at auction and act as a cash buyer

Buy, renovate, rent, repeat

Refinance when you’re ready

How big could my credit limit be with a HELOC?

Customers are using the HELOC to fund buy-to-lets

“We needed to move fast at auction without the stress”

“We didn’t want to remortgage just to buy our first rental”

“We needed flexible funds for deposits and renovations”

“We were done with rigid and expensive bridging loans”

“We wanted a low-pressure way to start investing”

One facility, many possibilities

How Selina’s HELOC compares against other financing options

Get a quote in just a few minutes

A simple, hassle-free process

Check your eligibility

Get a personalised quote

Speak to an advisor

Submit your documents

Get your quote now — it only takes two minutes and won’t affect your credit score.

Your questions, answered

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