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This page is for tenanted residential properties, generally known as ‘Buy to Let’.

Now is probably the best time to buy discounted properties for your investment in the future. Our expertise is in assisting you to either start building or continue building a portfolio at a time when funds are scarce but opportunities are everywhere.

Mortgage Details:-

  • For purchase or remortgage.
  • Remortgage reasons can include capital release, loans consolidation, buying more property, renovation etc..
  • Single properties or portfolios.
  • Houses or flats.
  • Multiple occupancy and student let schemes available.
  • Applicants can be sole traders, partners, limited companies, or LLP’s.
  • Maximum advance currently 75% LTV (loan to Value ratio) or up to 100% with additional security. 
  • Term – 5 years to 25 years.
  • Choice of ‘Interest Only’ or Capital & Interest repayments.
  • Most loans geared to rental incomes.  Normal criteria is the rent should be 125% of the calculated monthly mortgage payment.  Your personal income is not part of this calculation.
  • There are a few schemes based on income rather than rents.
  • Rent agreements usually to be 6 month Assured Shorthold Tenancy agreements, but some longer commercial leases considered.


To discuss how we may help you, please contact us



      


Lloyds TSB Natwest RBS Bank of Scotland Abbey The Co-operative Bank Barclays Commercial Bank