Assesr

The AI buy-to-let “broker”.

  • Quarter the fees.
  • 2 mins, not 2 weeks.
  • AI match scores across 50+ lenders.
Request a demo
£3.2M dev · 55% LTGDV

Assesr AI

Writing the credit paper…

Matched lenders

94%Matched
89%Matched
86%Matched

The fee

A quarter of the broker fee.

On a £3,000,000 loan a broker charges 2% — £60,000. Assesr charges 0.5%. You keep the £45,000 difference.

On a £3,000,000 development loan

Traditional broker fee2%
£0
Assesr fee0.5%
£0

You save

£0

Free to use

No upfront or subscription fees

No deal, no fee

Pay nothing if your deal doesn't complete

Just 0.5%

Only pay when your deal completes

See the difference

Matched in minutes, not weeks.

One £850k BTL portfolio, one shared clock. Assesr papers it and scores it against every lender — you're matched to 50+, ranked by fit, in minutes. The broker route re-keys your deal by hand, writes the paper by hand and rings a few they'd guess — a couple of weeks to come back with two or three. Same deal, matched in minutes not weeks.

Time to match one deal

~2 min vs 2 weeks
Broker
Day 1
With Assesr
~2 min

The old way

Through a broker

Day 1

They re-key your deal by hand

2

They write your credit paper by hand

3

They ring a few they guess might fit

The Assesr way

One AI platform

running…
1

AI helps you fill in one form

2

AI writes an institutional-grade credit paper

3

AI % matched with 50+ lenders

Both racing the same clock…

Lender matching

A handful vs the whole market.

A broker rings the lenders they happen to know. Assesr scores your deal against every specialist lender's mandate — instantly.

The old way

A broker's rolodex

0 reached
wrong fit£850k
Slow, partial — and matched on relationships, not your deal.

The Assesr way

Every mandate, scored

0 best-fit
0/56 mandates scanned£850k
Every one of 50+ lender mandates scanned on LTV, sector, size & geography — non-fits filtered, best fits ranked.

How easy it is

One form. The whole market. Done.

Skip the broker runaround — the emails, the calls, the ghosting, the "not my area". Fill one short form and every specialist lender that fits comes back to you.

The old way

The broker runaround

0 emails · 0 calls
Broker A
Broker B
Broker C
Broker D
Broker E
Broker F
Days of chasing — and still 0 offers.

The Assesr way

One form

1 form · 0 offers
Deal…
Loan required…
Exit…
Submit — one click
LandbayOffer · 5.4% · 75% LTV
ParagonOffer · 5.6% · 70%
Fleet MortgagesOffer · 5.5% · 75%
ShawbrookOffer · 5.3% · 70%
Every matching lender responds — automatically.

Prefer a human?

Assesr does it all — but if you'd like a broker, we'll introduce one.

We built Assesr so you can raise finance without a human broker: an AI credit paper in 60 seconds, matched to 50+ specialist lenders. But if you'd still like someone experienced in your corner, we'll connect you with a vetted broker who can run your deal through the same engine for an extra commission.

Request a broker introduction

Your deal — Riverside Mills

£3.2M development · Bristol

Live

Assesr AI · included

Papering your deal…

same engine

Add a human broker· optional

A person in your corner — only if you want one.

Assesr AI does it all. No broker needed.

Your 24/7 portfolio desk

Your free personal BTL expert who knows every property you own — on call, day and night.

Every landlord gets Assesr AI. Ask anything about your portfolio, your ICR or the whole BTL market and get a straight, specific answer in seconds — because it knows everything about your portfolio and Assesr.

Assesr AI

Online · answers 24/7

Knows your deals
Hi 👋 I've read your 8-property portfolio and every BTL lender's criteria. Ask me anything.
Does my portfolio pass ICR at today's stress rates?
Does my ICR pass?Best 5-yr SPV fix?Portfolio refi cost?Which property drags?Can I release equity?If rates rise 1%?
Ask anything about your deals…
How it works

From your deal to funded, in three steps.

No forms to chase. No black box. Every screen below is the real, live app — click through it, scroll it, edit it. This is exactly what you'll use.

Step 01

Tell us about the property & rent

Guided intake for value, monthly rent, tenancy, SPV or personal and your wider portfolio — LTV, gross yield and rental cover (ICR) recompute live as you type. This is the actual form, pre-filled with a worked example — edit any field to watch the numbers move.

live

5-step intake

14 Oak Road

6-bed HMO · Leeds LS6

LTV

75%

Rental cover (ICR)

235%

Gross yield

9.7%

Step 03 of 5

The loan

What you're looking to borrow.

£

Step 02

AI builds your BTL credit paper

Assesr turns your inputs into a lender-ready BTL credit paper in ~60 seconds — rental coverage at your stress rate, borrower profile, property & tenancy and the refinance exit, graded A–E and grounded in your documents. The real paper is below — scroll every section a lender sees, or click to switch credit papers.

Grade A-
Click a deal to switch — each is a real paper, graded A–E
Risk gradeA-

Executive summary

A £195,000 BTL facility (65% LTV) to purchase a tenanted 3-bed house in York, held in a limited-company SPV. Rental cover of 162% clears every lender's ICR test and the low leverage leaves a wide equity cushion. The applicant is an experienced portfolio landlord with clean credit. Recommendation: proceed to terms.

Near-prime single-let: a standard-construction family house in a strong regional city, held in an SPV by an experienced landlord at a conservative 65% LTV with a comfortable 162% ICR. Graded A- rather than A only for a modest sub-6% gross yield.

Property value

£300,000

Loan

£195,000

LTV

65%

Monthly rent

£1,450

Gross yield

5.8%

Rental cover (ICR)

162%

Structure

Limited-company SPV

Property type

3-bed freehold house

Property & tenancy

A freehold Victorian terraced house in a settled York suburb with strong owner-occupier and family-let demand. Standard construction, EPC C, let on a 12-month AST and tenanted at completion.

Rental coverage analysis

£1,450/month (£17,400/year). Stressed at 5.5%, annual interest on the £195k loan is ~£10,725, giving an ICR of 162% — comfortably above the 145% higher-rate threshold and holding above 130% even at an 8% stress.

Borrower & portfolio

Borrowing through an established SPV. The director holds 6 BTL units, 5+ years' experience and clean credit — a profile mainstream specialist BTL lenders compete hardest for.

Exit & refinance

Long-term hold with refinance at the end of the fixed term. Low leverage and steady York capital growth mean broad refinance options and scope for later equity release.

Risks & mitigants

Single-let void exposure

Low

Strong local demand; tenant in situ; 6-unit portfolio absorbs any void

Modest gross yield

Low

Low LTV keeps cover strong regardless; capital-growth-led hold

Recommended terms

  • Facility: £195,000 (65% LTV) · 5-year fixed
  • Interest only · pay rate ~5.15%
  • Mainstream specialist BTL lender · SPV accepted
  • Standard debenture + director personal guarantee

Lender questions

  • Confirm the AST term and that rent is paid up to date.
  • Confirm the SPV SIC code and any existing charges.

Step 03

Matched to specialist BTL lenders

Assesr scores your deal against every lender's live criteria and shortlists only those that fund your ICR, LTV, property and applicant type — then notifies them instantly. The real marketplace is below — open any matched lender.

3 matched

Lenders matched to your deal

1

Specialist lender — name revealed on acceptance

EliteWinning lenderShortlistedLast seen 2/19/2026

Leading specialist HMO/MUFB lender; strong appetite for professional-landlord SPV cases in the North.

AI insight

Excellent fit: this lender's mandate is built for licensed HMOs held in SPVs, at up to 75% LTV. Your 234% ICR clears its stress test with huge headroom.

HMO specialistLeeds / YorkshireLtd-company SPV

96%

Mandate fit

Speed

5h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

210 total · 44 similar

Normal focus

Buy To Let

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Terms accepted — in due diligence

You accepted Specialist lender — name revealed on acceptance's terms. Use the messaging tab for all DD communication.

Full details shared
2

Specialist lender — name revealed on acceptance

PreferredRequested infoNot yet viewed

Established BTL lender comfortable with 4+ property portfolio landlords and room-by-room HMO income.

AI insight

Good fit: has asked for the portfolio schedule to confirm background aggregate LTV — standard for a portfolio landlord.

Portfolio landlord75% LTVInterest-only

90%

Mandate fit

Speed

14h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

20 total · 5 similar

Normal focus

Buy To Let

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Requested more information

2/19/2026

Specialist lender — name revealed on acceptance wants to know more before deciding. Check the Info requests tab below and respond promptly — faster responses lead to better outcomes.

Waiting for lender to shortlist before you can share full details.

3

Specialist lender — name revealed on acceptance

ProvenReviewingNot yet viewed

Challenger BTL lender competitive on rate for clean-credit SPV cases with strong rental cover.

£240k facilityStudent areaClean credit

83%

Mandate fit

Speed

12h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

20 total · 5 similar

Normal focus

Buy To Let

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Reviewing your deal

This lender has been matched and notified. They're reviewing your credit paper and deal details. You'll be notified when they take action.

Overdue by 4615h — Assesr is chasing themTypically responds in 12h · Assesr enforces a 24h response SLA

Waiting for lender to shortlist before you can share full details.

If it's not ready

Deal not ready? Assesr tells you exactly how to fix it

Most platforms just reject your deal. Assesr generates a comprehensive AI remediation report — a full roadmap with specific field changes, documents to obtain, and the exact questions a credit committee would ask. No other platform does this.

Grade E

This deal cannot be submitted to lenders

Grade E — Not fundable as structured: LTV of 85% is above BTL maximums, stressed rental cover is below the 125% floor, and the property is flagged as a potential consumer (family-occupied) let, which is out of scope. Three targeted fixes make it a clean, fundable case. — here's how to fix it

Estimated grade after fixes:B
1

LTV of 85% exceeds BTL lender maximums

Reduce the loan to 75% LTV — a lower advance the market will actually price

Impact: E → C — brings the deal within standard lender appetite
2

Stressed rental cover below 125% ICR

Evidence the achievable market rent (or move to a 5-year fix to lower the stress rate)

Impact: C → B — clears the ICR threshold with headroom
3

Possible consumer / family occupancy

Confirm a pure investment let to third parties, held in an SPV — unregulated and in scope

Impact: Makes the case eligible for Assesr's specialist BTL panel

Ready to fix and resubmit?

Address the issues above, update your intake fields, then regenerate the credit paper. Your grade will be reassessed based on the updated data.

You're in control

Disagree with the AI? Argue your case.

Assesr doesn't just grade your deal — you can rebut any risk or required fix with evidence, and the AI re-weighs each point and reissues your paper. Just like arguing a deal with a broker, before it ever reaches a lender.

Grade E → B

Risk Review

Disagree with a risk or a required fix? Make your case — exactly like you would with a broker before a deal goes to lenders. Respond to any point below, add evidence, then regenerate: the AI re-weighs each argument and reissues your paper.

After your responses, this paper regenerated from Grade E to Grade B.

How the AI weighed your responses

  • Unlicensed HMO

    Accepted

    You said: Applied for the mandatory HMO licence — application reference attached.

    Analyst: A pending licence application clears the eligibility blocker; specialist lenders accept an application in progress.

    Eligibility restored — E → C.

  • Rent roll unevidenced

    Accepted

    You said: Attached signed ASTs for all six rooms plus three months' bank statements.

    Analyst: The 178% stressed ICR is now evidenced, not assumed.

    ICR evidenced — C → B.

  • Fire / room-size works outstanding

    Partly accepted

    You said: Works complete before drawdown — contractor quote and timeline attached.

    Analyst: The quote is credible, but works aren't done yet — a completion condition remains.

    A condition, not a blocker.

  • EPC below MEES minimum (rated F)

    Accepted

    You said: Attached a post-refurb EPC forecast to band C and quotes for the insulation and heating upgrade in the works schedule.

    Analyst: The forecast and costed works bring the property compliant with MEES, removing the let-ability blocker.

    MEES compliance evidenced — condition cleared.

  • Personal-name ownership limits lender appetite

    Accepted

    You said: Confirmed the property will be held in a newly incorporated SPV with an SIC code for property letting.

    Analyst: An SPV structure widens the specialist HMO lender pool and matches the ICR assessment basis.

    Structure aligned to lender appetite.

  • First-time HMO landlord

    Not accepted

    You said: Sponsor says they 'understand HMOs' but supplied no prior schemes and no managing agent.

    Analyst: Self-assessed familiarity isn't an evidenced track record; without a managing agent the experience gap stands as a rating factor.

    Risk noted — B holds, not upgraded further.

Submit a deal for free

The Assesr Standard

The credit paper lenders know and trust.

Every deal you submit becomes an Assesr-standard credit paper: institutional-grade, standardised and trusted right across the lender market — presenting your deal in its best possible light so it gets the best possible shot at funding.

14 Kingsgate Terrace

Assesr credit paper

Grade A
14 institutional sectionscommittee-ready
Every figure sourced & traceableno “Source: ???”
GDV backed by local comparablesevidenced
Planning & title checked against source recordsverified
Sensitivity-tested — GDV −10%, cost +10%, delaystress-modelled
Exit tested two ways — sales and refinanceexit-proofed
Every red flag surfaced up front, with the fixno surprises
Risk-graded A–E, with reasoninggraded
Standardised — the same structure, every timeinstantly comparable
The AssesrStandard

You're in control

Power to the borrower — not brokers or lenders.

Assesr flips specialist finance in your favour: matched lenders compete for your deal in the open, every one is scored and held to account — slow ones nudged, bad ones removed — and you see every metric yourself, with no middleman deciding what you get to know.

Competing for your £3.2M deal

live · ranked by reputation

You see all
1Lender AElite2h avg · 47 deals0%

Matched

2Lender BPreferred6h avg · 31 deals0%

Matched

3Lender CProven18h avg · 12 deals0%

Matched

Ranked by speed · completions · reviews · mandate fit — behave, or get downranked.

What's included

Every buy-to-let case we cover.

Professional, SPV and portfolio landlords — from a single unit to a whole portfolio.

01

Single-unit BTL

Standard buy-to-let houses and flats.

02

HMO

Houses in multiple occupation, assessed room-by-room.

03

MUFB

Multi-unit freehold blocks held under one title.

04

Portfolio

4+ properties, including mixed portfolios and portfolio refinances.

05

Semi-commercial

Mixed-use such as a flat above a shop.

06

SPV & limited company

Borrowing through a corporate or holding structure.

07

Purchase & remortgage

New purchases, or refinancing to release equity or re-rate.

Partner portal

Know someone else who needs finance?

Refer any developer, landlord or business owner you know — Assesr does the work end-to-end and you earn on every drawdown, with your cut rising the more frequently you refer. It's already in your account — just click Partner portal on your dashboard.

Your personalised landing page
£3.2M dev · 55% LTGDVReferred

Assesr AI

Writing the credit paper…
Your earnings auto · Stripe

Total earned

£0

Bronze 0.10%
Bank-grade security

Your scheme data is protected at every step

Assesr handles sensitive financial data the way institutional platforms do — encrypted, audited, and locked down by design.

AES-256 encryption

Every document and data point encrypted at rest and in transit with bank-grade standards

Passwordless login

Magic links and OAuth — no passwords stored means nothing to breach

SOC 2 infrastructure

Hosted on certified cloud providers with automatic DDoS protection

Role-based access

Lenders never see other lenders. Borrowers never see other deals. Enforced server-side

Read the full security overview

Why developers choose Assesr

The only platform where you submit directly — for free.

Other platforms make you go through a broker. Other brokers charge 1–2%. Assesr gives you institutional-grade analysis and 50+ lenders at a quarter of the cost.

FeatureAssesrBrickflowBrokaDealLockerProppKnowledge BankTraditional broker
AI credit paper generation
Direct borrower accessList dealsVia enquiry
Automated lender matchingRate comparison
Document extraction (AI)
No upfront cost
Pay only on successVariesVaries
See the full comparison with all features

Frequently asked questions

Everything you need to know.

No — Assesr handles unregulated buy-to-let only: SPV, limited-company and professional/portfolio landlords. A home you or family will live in is regulated and out of scope.

Yes — both are supported and matched to specialist lenders who lend on them.

Nothing to submit or generate a credit paper. If a deal completes, it's 0.5% on drawdown — a quarter of a typical broker fee.

Yes — purchase or remortgage/refinance, to release equity or get a better rate.

View all FAQs

Why this matters

Every deal is a home let to a tenant.

Faster funding

Credit papers in 60 seconds. 50+ lenders matched instantly.

More homes built

Developers break ground sooner. SME builders can compete again.

Lower prices

More supply means less pressure. Prices stabilise for everyone.

Homeownership for all

First-time buyers stop saving for a decade. Families find homes.

Annual housing target vs delivery

1.5M promised

~20% delivered

Target
300k
2023/24
221k
2022/23
234k
2021/22
233k
2020/21
216k
2019/20
243k

The government committed to 300k homes/year. Delivery has never come close. The pipeline between willing developers and willing lenders is the bottleneck.

SME housebuilders in the UK

Down 80%

in a single generation

1988200020122024
12,200
~2,500

Small and medium developers once built most of Britain's homes. Red tape, slow funding, and broker bottlenecks have decimated them. The homes they'd have built were never started.

Years to save a deposit

10+ years

for the average first-time buyer

gap
1997200520152024
House prices
Wages

House prices have grown 5x faster than wages since 1997. Every home that doesn't get built makes the next one more expensive — for everyone, not just first-time buyers.

Get funded faster, and the homes get let.

Get your BTL deal funded.

Free to submit. Lender-ready in about a minute.

Start your BTL deal
The Friday Read

Not ready yet? Get one sharp read every Friday.

One email a week — the rate move, lender shift or deal structure worth knowing in specialist property finance. No fluff, no spam. Unsubscribe any time.

Free · one email a week · unsubscribe any time.

Find your page

Everything Assesr does, in one place.

Pick who you are, then your product line.

Borrowers — pick your product line

Development

Ground-up, conversion, refurb & bridge finance for property developers.

Explore development

Buy-to-let

SPV, limited-company, HMO, MUFB & portfolio buy-to-let mortgages.

Explore buy-to-let

Commercial

Buy or refinance premises — office, retail, industrial, semi-commercial.

Explore commercial