Tick BTL

Loan amount:
£150k – £10m

Tick BTL

Maximum LTV:
75%

Tick BTL

Term length:
Max. 5 years

Tick BTL

Property location:
England & Wales

Tick BTL

Charge:
1st charge

Complex Buy-to-Let Mortgages

Complex buy-to-let mortgages are medium to long term products designed to support both new and experienced landlords.

Latest Case Studies

Flexible Buy-To-Let Mortgages

We launched our complex buy-to-let mortgage to provide the market with the flexible finance it needs. Our flexible buy-to-let mortgages have a 5-year term with low Early Repayment Charges (ERC) for the first 2 years, and no ERCs at all in the final years.

We pride ourselves on our ability to look at complex circumstances and make them simple. We do this by employing a bespoke approach to our BTL mortgages and expert underwriting to each and every case, with the same contactable underwriter from enquiry to completion. We do not adhere to tick-box criteria and will always look for ways to lend, rather than looking for ways to say no.

We are the only lender to roll and defer interest to maximise the loan size, and we don’t penalise higher rate tax payers – utilising 130% ICR across the board.

5 simple steps away from your flexible buy-to-let mortgage

short-term buy-to-let mortgage

Step 1: Loan Enquiry & Indicative Terms

Enquire your way – phone, email, online. The underwriter will require a few details before providing an indicative tier, rate & loan size. We have various tools to make Interest Cover Ratio (ICR) fit!

  • We respond in under 4 hours

interest only buy-to-let mortgage

Step 2: Underwrite & Issue DIP

Like what you see? We require a small number of docs to finalise the underwrite. We then issue ‘credit approved terms’ in the form of a Decision in Principle (DIP), verified by our Credit Committee to ensure a yes means yes.

  • DIP issued usually less than 24 hours

interest only buy-to-let mortgage

Step 3: Valuation

DIP signed, valuation & admin fee paid? Time to value the property. Our underwriters agree the best terms/timescales from our panel for the type of property. The valuation verifies the security details on which the DIP is based.

  • Instructed usually less than 24 hours of fees being cleared

short-term mortgage for buy-to-let

Step 4: Legal Documentation

Time for the solicitors to do their thing, issuing contracts, and progressing the case towards completion. We use our trusted panel to ensure that we complete on time. You are included in all steps of the process.

  • We instruct quickly and only use Firms we know

interest only buy-to-let mortgage

Step 5: Loan Drawn Down

Great, the loan is ready to go and be put into use.

  • Depending on the circumstances, this can be in as little as a week from Enquiry

Complex Buy-To-Let Mortgages –

All you need to know:

We value your feedback

Explore our Buy-to-Let Mortgages

Menu