As experienced property investors will know, there are many situations an types of residential property where traditional buy to let lenders will not provide funding.
These can include:
Development and Refurbishment – 90% Loan to all Costs available – Terms available for Professional Developers & First-time Builders. 100% of costs available with funder profit share.
Commercial Mortgages – Up to 85% LTV (100% plus goodwill in some professional sectors). Rates start at 1.85% over base rate. Terms up to 30 years with Interest-Only options
Bridging and Short-term Finance – from 0.4% pcm – Available for Auction Purchases
Residential Property Investment
Residential Property Investment
- Properties owned for less than 6 months
- Properties above or adjacent to commercial premises
- Applicants with provable income below £20,000
- Historic credit problems
- Professional landlords
- Applicants with property portfolios
- Limited company applicants where the company is trading
- Houses in Multiple Occupation with shared facilities including bedsits
- Multi-unit freeholds including blocks of apartments
- First time investors
- Holiday lets and Air BnBs
With our direct access to the entire market covering all residential and commercial lenders, we can find a solution for most applicant and property types, even where applications have been declined by traditional lenders.
Most of these scenarios can be funded up to 75% of valuation, limited company buy to let up to 80% even for trading companies, with very competitive interest rates available for both first time and professional investors.
Portfolio Finance
Structured terms are tailored to support professional and semi-professional landlords who have portfolios made up of Residential, Mixed Use, Commercial or indeed all types of investment properties in any combination.
The information quoted under each sector holds true in that any mix of those property types in a single portfolio can be funded using the same principles with either a single loan against the entire portfolio or separate loans for each property type via the same or different lenders to take advantage of lower pricing for certain asset types in isolation.
Similarly funding is available for all borrower types whether UK based or overseas.
