Complex buy to let?

Solution found

Welcome to the home of specialist buy to let mortgages for both individual landlords and limited companies.

Buy to let solutions at a glance

  • Portfolio and non-portfolio landlords
  • Limited companies and individuals
  • Expats for individuals and limited companies
  • 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

  • Basic Rate taxpayer
  • Standard Property, £1,200 rent pm
  • 75% LTV, ICR@125%
  • 2 year fixed rate (3.09%) – assessment at 5.50%
  • Maximum loan of £209,455

Example two

  • Higher Rate taxpayer
  • Standard Property, £1,200 rent pm
  • 75% LTV, ICR = 145%
  • 5 year fixed rate (3.29%) – assessment at 3.29%
  • Maximum loan of £301,856

Example three

  • Limited Company
  • HMO (standard/small), £1,500 rent pm
  • 75% LTV, ICR = 125%
  • 5 year fixed rate (3.59%) – assessment at 3.34%
  • Maximum loan of £401,115

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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