Buy-to-let mortgages

Offering you expertise in a changing market

Last year’s sharp rise in rates had a highly publicised impact on the buy-to-let sector, as many previously viable cases failed rental stress tests. However, we’ve recently seen some lenders returning to the market with reduced rates, helping to overcome these stress test issues.

We have also seen an increase in demand from investors for portfolio remortgages, to raise capital to help finance further investment. In addition to this trend, we are also seeing an increase in the number of clients taking tracker rate products with no ERCs and this shows no sign of stopping any time soon.

In an ever-changing marketplace, we use the vast experience of our team to help you. They have access to a wide range of innovative and exclusive products, from our extensive lender panel. Plus, they also have access to a wide range of lenders that are not available to use on a direct basis.

What is a specialist buy-to-let mortgage?

A specialist buy-to-let mortgage is an application that does not necessarily meet the criteria of the mainstream lenders. Examples, to name but a few, are clients looking to purchase or remortgage an investment property that is owned by a limited company, clients looking for leniency in rental calculations or clients with an adverse credit history.

We work with a panel of lender partners who will assess each case on its own merits and offer a range of products that will cater for most needs. This helps us enable and support retail customers who may feel trapped with their existing lenders pursue their financial objectives.

Types of mortgage covered in this division:

• Buy-to-let purchases
• Buy-to-let remortgages, with or without capital raising.