REDUCED: buy-to-let mortgage rates

We’ve reduced our buy-to-let mortgage rates - including Limited Company and Expat!

3 and 5 year discount:

NEW FOR 3 AND 5 YEAR DISCOUNT: we have lowered our ICR for basic rate tax payers to 125% at 5.75% AND introduced a new maximum mortgage term of 35 years.

Applicants must be home owners but we will accept customers who are living in tied accommodation.

Limited Company AND Expat buy-to-let:

NEW FOR LIMITED COMPANY AND EXPAT: we have introduced a flat fee of £1,500 for all applications instead of the previous 1.00% (min £1,500) fee, regardless of loan size.

AND: we have extended our lending area and now accept applications from WC, EC, E, SE, N, NW, W, SW postcodes for Expat applications.

Don’t forget across all buy-to-let products:

  • Our buy-to-let calculator is a quick and easy way to check affordability, and works with our rental coverage of 135% using a stress rate of 5.75%
  • We consider other income to support the application, known as top-slicing, if the ICR doesn’t work
  • We accept assured shorthold tenancies (ASTs) with terms of up to 3 years
  • Our buy-to-let lending area is limited by postcode
  • No credit scoring – we assess on individual merit
  • Tailored underwriting with each case individually considered

Contact us to discuss your client's requirements today. Our Helpdesk is available 9am-5pm Monday to Friday, by calling 01635 918000.

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