This content is for intermediaries only. If you're not an intermediary, please visit our main website.
We work collaboratively with mortgage and commercial finance brokers to provide their clients with the finance they need to invest in and grow their businesses.
Our lending team is highly skilled in handling complex and specialist cases, including complicated ownership structures and trusts. Our experienced business development team spans Great Britain. They are here to support you and your clients to achieve their business and property goals.
We strive to understand each client's situation and story, going beyond the numbers. We always seek to apply a common-sense approach to every mortgage deal.
We offer buy-to-let mortgages for residential properties, including large and small HMOs, as well as commercial and mixed-use/semi-commercial properties. We consider residential properties on assured shorthold tenancies as well as longer-term leases.
We’ve reduced our residential and commercial stress rates, giving SME borrowers and landlords a much-needed affordability boost.
This change makes two- and three-year fixed and variable rates more attractive, especially for borrowers who want additional options to five-year fixed deals as interest rates continue to fall.
We also continue to offer our Alternate Fee option across two-, three and five-year fixed terms.
Plus, we’ve launched tiered interest rate pricing, giving borrowers more choice and simple access to our interest rates.
Mortgages are secured on your client’s property. Your client could lose their property if they do not keep up payments on their mortgage.
Including large and small HMOs. Buy-to-let mortgages to purchase a new investment property, refinance an existing portfolio, exit a bridging facility or raise additional funds to grow your clients' property businesses.
Commercial mortgages for British SMEs wanting to acquire new premises or refinance an existing property. Opportunities to release capital for investment to grow your clients' businesses.
Secured property refurbishment loans for experienced property investors and landlords wanting finance to purchase and refurbish an investment property.
Rates from 5.59%
Up to 71.4% loan to value including fee
Mortgages from £250,000 to £6.0m
Single asset maximum loan of £3m up to 65% LTV and £2m for over 65% LTV
Fixed terms from 2-30 years
Interest only or capital and interest repayment
2, 3 and 5 year fixed rates available
Option for higher fee and lower interest rates to support affordability
Mixed-use properties considered.
Green Reward Cashback offer of up to 0.50% available on properties with EPC ratings of A-C
Customer criteria
Evidence of being an experienced property investor
Lending to UK-based entities (sole-trader, partnership or limited company), trusts, individuals and expats
Gross rental income should represent at least 125% of monthly repayments for buy-to-let and small HMO's/MUFB's
Gross rental income should represent at least 145% of monthly repayments for large HMO's/MUFB's
Maximum age 85 at the end of the loan term
Mixed-use properties where over 50% and up to 80% of rental income is derived from buy-to-let or small HMO's/MUFB's
Rates from 5.59%
Up to 71.4% loan to value including fee
Mortgages from £250,000 to £6.0m
Fixed terms from 2-30 years
Interest only or capital and interest repayment
2, 3 and 5 year fixed rates available
Option for higher fee and lower interest rates to support affordability
Mixed-use properties considered.
Green Reward Cashback offer of up to 0.50% available on properties with EPC ratings of A-C.
Customer criteria
Evidence of being an experienced property investor
Lending to UK-based entities (limited companies, sole traders, partnerships, and SIPP and SSAS schemes), trusts, individuals and expats
Rental income should represent at least 130% of monthly repayments
Maximum age 85 at the end of the loan term
Rates from 7.09%
Up to 71.4% loan to value including fee
Mortgages from £250,000 to £6.0m
Fixed terms up to 30 years
Interest only options up to 5 years available, as part of a capital and interest mortgage repayment term
2, 3 and 5 year fixed rates available
Option for higher fee and lower rates to support affordability
Green Reward Cashback offer of up to 0.50% available on properties with EPC ratings of A-C.
Customer criteria
Evidence of being an experienced property investor if a professional landlord
Lending to UK-based entities (limited companies, sole traders, partnerships, and SIPP and SSAS schemes), trusts, individuals and expats
Gross rental income should represent at least 130% of monthly repayments (professional landlord)
Adjusted EBITDA should represent at least 130% of monthly repayments (commercial owner occupier)
Maximum age 75 (owner occupier) or 85 (professional landlord) at the end of the loan term