The AI buy-to-let “analyst”.
- Only mandate-matched deals reach your desk
- Every deal in one institutional-grade credit paper
- Completely free for lenders — no relationship costs
Assesr AI
Your mandate
Matched deals · your desk
Matched to your box
94% match to your box · you underwrite
For lenders
Only the deals that fit your box.
Every deal rains into your inbox. Set your mandate once and Assesr filters the flood — only matches land on your desk, graded and ready.
The old way
Your inbox today
The Assesr way
With Assesr
For lenders
Every deal, one institutional standard.
No more Dropbox links, PDF teasers and 40-slide decks in ten different formats. Every deal arrives as the same structured, risk-graded credit paper — comparable at a glance, ready to underwrite.
The old way
What you get today
The Assesr way
From Assesr
Roundhay HMO Portfolio
14 sections · sourced figures
Chorlton MUFB
14 sections · sourced figures
Kelham Island SPV
14 sections · sourced figures
For lenders
Deal flow that costs you nothing.
Originating deals today is expensive — teams, broker relationships, marketing. Assesr sends you mandate-matched, fully-packaged deals for free. No fees, no relationship costs.
The old way
Sourcing deals today
£0
a year — just to source your own deals
The Assesr way
With Assesr
£0
to receive mandate-matched, packaged deals
Your 24/7 credit analyst
Your free personal credit analyst who knows your BTL box and every case in your pipeline — on call, day and night.
Every lender gets Assesr AI. Ask anything about your criteria, your pipeline or any matched case and get a straight, specific answer in seconds — because it knows everything about your box and Assesr.
Assesr AI
Online · answers 24/7
Set your mandate once. Receive deals that fit. Automatically.
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
Set your BTL mandate
Set your box once — max LTV, min ICR, property types (single / HMO / MUFB / semi-commercial) and applicant types (SPV / company / portfolio) — and Assesr filters the whole market so only deals inside it ever reach your desk. The real mandate screen is below — set any criterion and watch what qualifies.
Your BTL mandate
Set what you lend on
Deals are filtered against these before they ever reach your desk.
Property types
Which BTL property types you fund.
Applicant types
How the borrower holds the property.
Leverage & size
Your maximum leverage, minimum rental cover, and ticket range.
Preferred regions
Geographic focus. Leave empty for nationwide.
Step 02
Receive matched deals
Every matched BTL deal lands as the same standardised, lender-ready credit paper — LTV, rental cover and ICR sourced and pre-computed, borrower and property assessed, risk graded — so you underwrite in minutes, not days. The real paper is below — scroll every section, or click to switch between matched papers.
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
LowStrong local demand; tenant in situ; 6-unit portfolio absorbs any void
Modest gross yield
LowLow 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
Indicate and win
Indicate terms, add a private note and progress the deal through a tracked, contact-protected pipeline that stops leakage and rewards fast responses with more deal flow. These are the real controls below — set a stance and issue terms.
Your committee stance
The borrower sees the signal, never your private note.
Your terms
Conditions
Free to join. Zero platform fees. Zero cost to you.
What's included
Every buy-to-let case we cover.
Professional, SPV and portfolio landlords — from a single unit to a whole portfolio.
Single-unit BTL
Standard buy-to-let houses and flats.
HMO
Houses in multiple occupation, assessed room-by-room.
MUFB
Multi-unit freehold blocks held under one title.
Portfolio
4+ properties, including mixed portfolios and portfolio refinances.
Semi-commercial
Mixed-use such as a flat above a shop.
SPV & limited company
Borrowing through a corporate or holding structure.
Purchase & remortgage
New purchases, or refinancing to release equity or re-rate.
A deal that's not for your book?
Pass on deals outside your mandate — refer them and 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.
Assesr AI
Total earned
£0
Bronze 0.10%Your mandate and pipeline data stays yours
You'd never accept a deal on an unsecured platform. Assesr meets the security standards your compliance team expects — encrypted, isolated, and auditable.
AES-256 encryption
All deal data, documents, and communications encrypted at rest and in transit
Strict data isolation
Your pipeline is invisible to other lenders. Row-level security enforced at the database
SOC 2 infrastructure
Hosted on certified cloud providers with WAF, DDoS protection, and real-time threat intelligence
Passwordless auth
No passwords stored — magic links and OAuth eliminate credential-based breaches entirely
Why lenders prefer Assesr deals
Standardised. Pre-analysed. Mandate-matched.
Instead of inconsistent broker packs, every deal arrives as a structured 14-section credit paper with sourced figures, risk grading, and sensitivity analysis.
| Feature | Assesr | Brickflow | Broka | DealLocker | Propp | Knowledge Bank | Traditional broker |
|---|---|---|---|---|---|---|---|
| AI credit paper generation | |||||||
| Direct borrower access | List deals | Via enquiry | |||||
| Automated lender matching | Rate comparison | ||||||
| Document extraction (AI) | |||||||
| No upfront cost | |||||||
| Pay only on success | Varies | Varies |
Why this matters
Every deal you fund 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
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
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
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.
Fund it faster, and the homes get let.
Frequently asked questions
Questions lenders ask.
Nothing. You set your criteria and receive matched BTL deals; Assesr earns only when a deal completes.
Yes — opt into exactly the property and applicant types you fund; you'll only see those.
Yes — professional / SPV / portfolio BTL only. Consumer buy-to-let is out of scope.
Anytime, with no penalty to your velocity / response score.
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.
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