Fast and Easy Access to BTL Mortgages
Single or multiple properties, commercial or residential Company purchase or individual investment
We can provide you with a guide to the maximum loan amount you can borrow, whether for a Buy to Let, an HMO or a Commercial Investment.
We will explain to you how the loan amount has been calculated and what it will cost to service the loan.
You will be offered either a variable rate mortgage or a fixed rate.
We will require your tenants to enter into an AST (Assured Shorthold Tenancy agreement) for residential investments (generally renewable after 6 months).
For commercial properties, tenants will be required to be of good standing and to enter into a lease.
The value and location of the property, along with the projected rental or lease income, are key factors in determining the loan amount.
UP TO 25 YEARS – INTEREST ONLY
For investment mortgages, lenders may vary, terms quoted that are correct at the time of publication and subject to contract but are liable to change in accordance with the prevailing bank base rate and market conditions. We will, on application, provide details of any changes and the rates that will currently apply.
RESIDENTIAL BUY TO LET OR COMMERCIAL INVESTMENT
Up to 25 years interest only!
The maximum loan amount will be calculated as a percentage of the value or purchase price (whichever is the lower) using the projected rental or lease income.
Interest rates will differ for residential and commercial properties.
We process your requirement from application to drawdown – no added workload for you!
When you decide on a term loan, you are free to decide on the term required.
Lump-sum capital payments are allowed.
For investment mortgages lenders may vary, terms quoted are correct at time of publication and subject to contract.
- Single Buy to Let up to 80% LTV*
- Portfolios and small HMO’s up to 75% LTV*
- HMO with 7 or more occupants up to 75% LTV*
- Up to 25 year Interest Only
- Multiple properties on one application
- Individual Buy to Let or portfolio application is limited to £5,000,000
- Commercial investment mortgages are generally capped at a maximum of £5m for a single tenant occupying a single asset.
Call us now on 07831 336191 for an informal, no-commitment discussion.
*LTV Loan to Value
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