Supporting experienced property landlords, property investors and SMEs needing commercial mortgages.
Now live.
Increased maximum portfolio lending to £10m
Reduced fixed interest rates. Residential investment interest rates from 4.84% and commercial interest rates from 6.34%
Increased interest only terms for commercial mortgages to 20 years
Property secured on a loan may be repossessed if repayments are not maintained.
Our specialist lending teams provide experienced professional landlords with tailored mortgage facilities to support the acquisition and refinance of commercial, residential and mixed-use property portfolios.
Our property lending experts support British SMEs with commercial mortgages to acquire new or refinance existing commercial premises.
Our lending teams specialise in helping property investors with tailored finance solutions to grow their portfolios.
The financial and regulatory landscape for property landlords, investors and SMEs is increasingly complex and ever-changing. We offer individually tailored mortgage lending for businesses to purchase and refinance residential, semi-commercial and commercial properties. Our experienced lending team brings you the security and certainty that your property investment funding needs will be managed swiftly and with the care and attention your firm deserves. We offer property finance products including commercial mortgages for owner occupiers, as well as financing for residential property investment, including buy-to-let and HMOs.
PROPERTY SECURED ON A LOAN MAY BE REPOSSESSED IF REPAYMENTS ARE NOT MAINTAINED.
Buy-to-let mortgages to purchase a new investment property, refinance an existing portfolio, to exit a bridging facility or raise additional funds to grow your property business.
Commercial mortgages for British SMEs wanting to acquire new premises or refinance an existing property. Opportunities to release capital for investment in growing your business.
Secured property refurbishment loans for experienced property investors and landlords wanting finance to purchase/refinance to refurbish an investment property.
We are interested in building long-term relationships with new intermediaries. If you would like to work with us, please visit our intermediary page.
Features and Benefits
You have the choice of fixed and variable interest rates over 30-year terms (subject to maximum borrowing age) as well as interest only options.
Properties with an EPC rating of A – C qualify for our Green cashback reward. Earn up to 0.5% cashback for the most efficiently rated properties.
Flexibility to lower your interest rate and your monthly payment by choosing a 5% fee. This can help improve your leverage and release the capital you need to invest in your portfolio. Please consider the total cost of borrowing when considering these options.
Mortgages from
£250k to £10m
Loan to value including fee
Up to 71.4%
Term
2-30 years
Gross rental income
130% of monthly repayments
2, 3 and 5 year fixed rates available
Interest only options available
Mixed-use properties considered
Mortgages from
£250k to £10m
Loan to value including fee
Up to 76.5%
Term
2-30 years
Gross rental income
125% of monthly repayments
2, 3 and 5 year fixed rates available
Interest only options available
Mixed-use properties considered
For landlords with one property: over two year's experience.
For landlords with two or more properties: over one year's experience.
Our frequently asked questions
Here are a selection of most frequently asked questions. If you can't find what you need here please refer to our Support page using the link below.
Find more answersPlease click here to find a summary of our lending criteria. If you have any other questions please get in touch.
We will aim to respond to you within 48 hours if we have the correct information from you.
We require details about the specific transaction you are considering, including details of the property and the business. In addition, we will need information on your financial status and your ability to service the mortgage before making a commitment to lend. Please contact us directly.
We will verify your business, the registered address of your organisation, as well as the identity of all key individuals detailed (partners, directors, members, authorised users, beneficial owners etc). We do this by checking various electronic databases. If we are unable to verify your organisation or the individuals involved in its management or operation, we may ask you to supply us with some identity documents by post. We will not be able to progress the case until we are satisfied. If you have any questions please get in touch.