Lending Criteria
Complex buy to let mortgages are our specialty, we can lend to your landlord clients who are looking to borrow both personally and through a variety of corporate structures. We can also finance standard buy to lets and higher-yielding properties such as HMOs and multi-unit freeholds.
Property Solutions for...
- HMOs up to 15 beds
- Multi-units up to 15 flats
- High-rise flats
- Flats above commercial
- Studio flats - min 30sqm
- Ex-Local Authority properties
- Students as tenants
- Multi-let (no HMO licence required)
- Universal Credit Tenants
- Minimum property value - £75K
Client Solutions for...
- Individuals
- SPVs, trading limited companies & LLPs
- Portfolio lending up to £10m
- Up to £2m per single property
-
Ex-pats including retired - not available to self-employed
- First-time landlords including HMOs & multi-units up to 6
- Up to 85% LTV
- No minimum income
- No minimum employment history
- Gift deposits & inter family sales accepted
