The buy to let mortgage market has seen huge growth in recent years - this has attracted much media attention, and has led to Government intervention and a tightening of lenders requirements.

Whilst most buy to let lending remains outside of Financial Conduct Authority regulation, lenders treat this type of borrowing in a similar way to regulated residential mortgages, with strict, but varying criteria imposed.

This means that in many cases one lenders negative response can be a yes elsewhere, so it is vital to take advice from experts in the field.

We will look to work with all customers to come up with a solution which fits specific circumstances and where required form a long term partnership to manage the mortgage requirement either on a review basis or to grow the property portfolio over time.

Examples of customers where we can provide a helping hand and work for you to find a solution are;

  • First time buyers/first time landlords
  • High value properties/high value mortgages
  • Multiple property portfolios
  • Low rental yield
  • Low “earned” income
  • Limited company borrowers
  • Houses in multiple occupation – student or professional tenants
  • Self-employed with less than 3 years accounts
  • Contractors
  • Limited company Directors / Shareholders
  • Low deposit/high loan to mortgage value
  • Late payments or historic problems with credit
  • Unusual properties
  • Interest only mortgages
  • Borrowing into later life
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