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Broker Hotline: 0345 148 9086

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.

View our lending criteria overview here.

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

View our lending criteria overview here