Skip to content

Our online banking portal will be undergoing scheduled maintenance this evening from 6.00pm until 9.00am on Wednesday 4th December 2024. During this time access to online banking will temporarily be unavailable. Find out more.

Mortgages for professional landlords

Our specialist commercial and residential mortgages help to expand and diversify portfolios.

Our expertise in supporting professional landlords - whether commercial, residential or both - across Britain, gives us unique insight into the importance of applying common sense, speed and flexibility to our decisions.  We are here to support your client with the growth of their portfolio by helping them to take advantage of opportunities quickly.

Commercial properties

For landlords purchasing or refinancing commercial properties

  • Mortgages from £250,000 to £6.0m
  • Up to 70% loan to value
  • Fixed terms from 2-25 years
  • Net rental income should represent at least 130% of monthly repayments 
  • Interest only options available
  • 2, 5 and 5 year Fixed Rates available
  • Mixed-use properties considered.
  • Green Reward Cashback offer of up to 0.50% available on properties with EPC ratings of A-C.

You should normally have:

  • At least two years' experience as a professional landlord
  • A minimum of two properties in England, Scotland or Wales.

Residential properties

For landlords purchasing or refinancing residential properties

  • Mortgages from £250,000 to £6.0m 
  • Up to 75% loan to value
  • Fixed terms from 2-30 years 
  • Net rental income should represent at least 125% of monthly repayments
  • Interest only options available
  • 2, 3 and 5 year Fixed Rates available
  • Mixed-use properties considered.
  • Green Reward Cashback offer of up to 0.50% available on properties with EPC ratings of A-C.

You should normally have: 

  • At least two years' experience as a professional landlord
  • A minimum of four properties in England, Scotland or Wales.

Our flexible approach is ideal for ambitious property landlords who are looking to add a new property to their portfolio or refinance their existing portfolio by using secured term finance. 

Opportunities to purchase property are rare and the choice of mortgage provider can make the difference between acquiring the property or not. At Redwood Bank, we understand the importance of moving quickly to seize the opportunity for your client. 

Whilst many of our competitors lack the appetite, speed or expertise to help landlords take advantage of an opportunity to purchase or re-finance property to strengthen or diversify their portfolio, at Redwood Bank we are proud to be uniquely placed to offer mortgages quickly to professional landlords who are looking to take advantage of such an opportunity.

From flats and houses to retail, service centres, offices, manufacturing sites, warehouses and distribution centres - as well as mixed-use properties - Redwood Bank will consider your client's application if they meet our minimum criteria (see above).

We assess each mortgage application individually with common sense, speed and an appreciation of the business to give your client the best chance of purchasing or re-mortgaging their property.

Property secured on a loan may be repossessed if repayments are not maintained.

Next steps

Check to see if your client meets our minimum criteria above. If they do, please contact one of our lending specialists below.

Support

Need a hand?

Read More

Regional team: South & East

Warrington & North