Got a complex buy to let case?

Solution Found.

We cater for landlords who are financing their property as an individual or limited company.

Buy to let solutions at a glance

Portfolio and non-portfolio landlords
Limited companies and individuals
Expats for limited companies only
Specialist property types - HMOs, multi unit blocks and short term lets
Large loan products available

Solutions for portfolio landlords

Portfolio assessment valid for 6 months
No limit to the background portfolio size, subject to a maximum of £5m with us
No business plans or asset and liability statements needed

Newly incorporated limited companies acceptable
Complex company structures considered
No maximum age

We have generous ICRs for your specialist buy to let clients. You can see some examples of calculations below, or why not give our calculator a try for yourself below and work out how much your client can borrow?

Examples of BTL calculations

Example one

Limited company client
Standard property and rent is £1200 per month
75% LTV, ICR@125%
2 year fixed of 5.50%
Maximum loan of £209,455

Example two

Limited company client
Standard HMO property and rent is £1500 per month
75% LTV, ICR@125%
Rate of 3.94%
Maximum loan of £365,482

Example three

Individual higher rate tax payer client
Standard property and rent is £1000 per month
75% LTV, ICR@145%
Rate of 3.59%
Maximum loan of £230,525

These are example rates which may vary from rates available at the time. Please use the calculator for an accurate loan amount based on a true rate.

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Registered in England with Company No. 3489004. Paratus AMC Limited is authorised and regulated by the Financial Conduct Authority.

Our registration number is 301128.
Buy to let mortgages are not regulated by the Financial Conduct Authority.
Calls may be monitored and recorded.

The Financial Ombudsman Service is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

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