Assesr

The AI buy-to-let “associate”.

  • Automate the grunt work — run far more deals
  • Never hand off a deal again
  • Keep your client. Keep your commission.
Request a demo
£3.2M dev · 55% LTGDV

Assesr AI

Writing the credit paper…

Matched lenders

94%Matched
89%Matched
86%Matched

For brokers

Same hours. Far more deals.

Assesr automates the ICR, rental stress and portfolio maths on every BTL case — the grunt work that eats your day. So in the same working week you package more deals than you could ever do by hand, from the exact same landlords.

Time to package one deal

~83× faster
By hand
11 hours
With Assesr
8 min

The old way

By hand

0 hrs / deal

You earn

£0/ month

Capped by the hours in your week

Re-key the BTL into your model+2h
Run ICR & rental stress by hand+3h
Write the BTL credit paper+3h
Chase tenancy & SPV documents+2h
Ring specialist BTL lenders+1h
≈ 11 hrs a deal → those hours cap you at 0 deals a month≈ £0 / month

The Assesr way

On autopilot

0 min / deal

You earn

£0/ month

Same you — Assesr runs the grunt work

Re-key the BTL into your modelauto
Run ICR & rental stress by handauto
Write the BTL credit paperauto
Chase tenancy & SPV documentsauto
Ring specialist BTL lendersauto
≈ 8 min a deal → the same hours now run 0+ deals a month≈ £0 / month — same you, far more productive

For brokers

Place every BTL — even the ones you'd refer away.

Outside your panel? Outside your expertise? Assesr connects you to the whole market and writes the credit paper — so you keep every deal instead of handing it off.

The old way

By yourself

0 deals handed off

Fees kept

£0

£0 referred away

New deal in…

8-bed HMO · Leeds LS6

No HMO lender on your panel

Another broker's pile

Referred away — lost
0 clients gone · £0 walked out the door.

The Assesr way

With Assesr

0/3 placed

Fees kept

£0

Every deal placed yourself

New deal in…

8-bed HMO · Leeds LS6

No HMO lender on your panel

Assesr AI

Brings the expertise
Writes the credit paper
Scans the whole market
56/56

Placed — fee kept

Placed by you — fee kept
Placing your deals · £0 kept so far.

Your relationship

Your client. Your commission. Assesr is the tool, not the replacement.

Assesr doesn't compete with brokers — it makes brokers better. You own the client relationship. You earn the commission. You're always in the loop. Assesr handles the analysis so you can focus on deal-sourcing, negotiation, and client service.

Your client's £850k portfolio
SubmittedFree
Papered & matchedFree
NegotiatedFree
Drawn downYou get paid

On drawdown, the client pays

0.5%Assesr
Your commissionyou set it — 100% yours
No upfront feesNo subscriptionNo credit-paper charges

Beyond the software

Do great work, and we'll send you borrowers for free.

Assesr finds borrowers who haven't found a human broker yet and we pass them to brokers who've already proven themselves on Assesr — for free. Build a strong track record here (great reviews, deals completed, fast responses) and you unlock a stream of warm borrower leads, matched to your scheme, sector and area — you don't buy them, you earn them for free. Just run each through Assesr at the standard 0.5% and charge your own commission on top — the client and the upside stay yours.

Apply for lead access

Broker leaderboard

live · ranked by deals & reviews

1Harlow & Co44 deals
2Marsh Finance38 deals
3Kepler Capital33 deals
4Denton Bridge25 deals
5You22 deals
Assesr sends you warm leads

Climb the board to unlock a stream of warm borrower leads…

Your 24/7 associate

Your free personal associate who knows every client's portfolio — at your desk, day and night.

Every broker gets Assesr AI. Ask anything about your landlord book, your clients' ICRs or the whole BTL market and get a straight, specific answer in seconds — because it knows everything about your clients' portfolios and Assesr.

Assesr AI

Online · answers 24/7

Knows your deals
Hi 👋 I've read all 11 landlord clients on your book — 63 properties — and every BTL lender's criteria. Ask me anything.
Which of my portfolio clients have properties failing ICR today?
Whose ICR fails?Refinances due this month?Best SPV fix for Okafor?Total equity to release?Who's about to remortgage away?Cheapest HMO lender?
Ask anything about your deals…
How it works

Three steps to a placed deal.

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

Upload your client's deal pack and fill out the form

Guided BTL intake with a 24/7 AI assistant — property, rent, SPV and portfolio captured, LTV, gross yield and ICR computed as you go, so you stop re-keying and stay the introducer. This is the actual form, pre-filled with a worked example — click through and edit any field to see the numbers update live.

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 a lender-ready BTL credit paper in 60 seconds — under your name

Assesr turns your client's BTL into a full lender-ready credit paper in ~60 seconds — rental cover (ICR), borrower and property graded A–E and grounded in the documents, so a junior looks senior. 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 lenders — you get paid

Assesr scores your client's BTL against every specialist lender's live mandate and shortlists the ones that actually fund it — you keep the landlord and the whole fee, and every response comes through you. 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 client's 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 client's case.

Assesr doesn't just grade the deal — you can rebut any risk or required fix with evidence on your client's behalf, and the AI re-weighs each point and reissues the paper. Just like arguing a deal 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

No commitment. Try it on a single deal.

Partner portal

Prefer to hand it over? Refer and get paid.

Not worth placing yourself? Refer the client instead — Assesr runs it 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%
Client data protection

Your clients' data is safer here than in your inbox

You're handling sensitive deal packs — title deeds, financials, valuations. Assesr protects every file with the same standards used by institutional lenders.

AES-256 encryption

Every document your client uploads is encrypted at rest and in transit — bank-grade, not email-grade

No passwords to leak

Magic link login means your team can't accidentally expose credentials

SOC 2 infrastructure

Your deal packs sit on certified cloud infrastructure with automatic threat protection

Client isolation

Lenders only see deals you send them. Your pipeline, your clients, your data — walled off

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

Why this matters

You don't just place deals. You house tenants.

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.

Place it faster, and the homes get let.

Frequently asked questions

Questions brokers ask.

Yes. In tool mode you enter your client's details, Assesr packages and places the deal across the whole market, and you charge your client whatever fee you agree with them. Assesr handles the underwriting and matching in the background.

Yes. If a case isn't worth your time, refer the client with one link and get paid automatically on drawdown — like a partner, with zero packaging or chasing.

No — decide deal by deal. Put through the ones worth your fee, refer the rest.

Exactly like a normal borrower: Assesr's 0.5% on drawdown applies to the deal, and nothing is due unless it completes. Whatever you charge your own client is entirely separate and set by you — Assesr doesn't touch it.

Yes — the same account and link work across BTL, development, commercial and business finance, so you can monetise any client need.

View all FAQs

Turn your book into income.

Put deals through and keep your fee, or refer and get paid automatically.

Start using Assesr
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