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

Solutions for limited company applicants

  • 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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