Investors
Buy to Let
If you're looking to purchase a property to rent out, a buy to let mortgage will be required. These products are assessed primarily on the rental income the property is expected to generate, though lenders will also look at your overall financial position.
Most lenders require a minimum deposit of 25% of the property's value, though this can vary depending on the lender, the property type, and your circumstances. We'll search the full market to find the most suitable product for your situation.
Portfolio Landlord
If you own four or more mortgaged properties, you're classified as a portfolio landlord under rules that came into force in October 2017. This means lenders are required to assess your entire portfolio when you apply for new borrowing, not just the individual property.
This makes the application process more involved, but it also opens the door to specialist products designed specifically for experienced landlords. We'll manage the whole process and work with lenders who understand portfolio lending.
Homes of Multiple Occupancy
An HMO is a property rented to at least three people from more than one household who share facilities such as a kitchen or bathroom. HMOs can generate stronger rental yields than standard buy to let properties, but the lending criteria are more complex and deposit requirements are often higher.
We'll assess what's available based on the specific setup of your property and your circumstances.
Holiday Let
Holiday let mortgages are a distinct product from standard buy to let mortgages, and not all lenders offer them. Lenders will typically look at the property's projected rental income across peak and off-peak periods when assessing affordability.
If you're considering purchasing a holiday let, we'll help you understand the lending options and find the most competitive product available to you.
Limited Company Buy to Let
An increasing number of landlords choose to purchase investment properties through a limited company rather than in their personal name, often for tax planning purposes. The number of lenders operating in this space has grown considerably in recent years, and the products available have become more competitive as a result.
Whether buying through a company is right for you depends on your individual circumstances. We'd always recommend taking independent tax advice alongside our mortgage advice before making that decision.
Development Finance
If you're looking to fund a self-build, a conversion, or a small residential development, development finance works differently from a standard mortgage. It's typically structured in stages, with funds released in line with your build programme.
We'll work with you to find a solution that fits your project and timescales. Every case is different and we'll treat it as such.
We don't advise on commercial loans, but we're happy to refer you to a specialist if that's what you need.
We do not offer advice on Commercial Loans, but would be happy to recommend a specialist of which you could seek advice from.