Buy to let
Whether you’re an experienced landlord or just starting out, your requirements will be different from those of a standard residential homebuyer. We have access to the major lenders in the buy to let market, including those which specialise in lending to professional landlords and consumers. Over the years, we have also developed relationships with general insurers, who have designed specialist landlords’ buildings and contents policies. Some buy to let mortgages are not regulated by the Financial Conduct Authority
Flats above shops
Flats above shops can be tricky to get a loan for, especially where the business below is a food business. Between our lenders and partners we should be able to help you place these.
Houses in Multiple Occupation
Where you rent the property on a per room basis to multiple people or to a group of friends it is a HMO. They can be great to increase your rental yield and we can help you get the right loan to match your needs.
Special Purpose vehicle (SPV) & LTD Company or LLP Property Ownership
If you already have an income from work your rental income may push you into the higher rate tax bracket. Some people choose to invest via a limited company so they can defer some of the tax and buy additional property instead of spending the income. We can help you find lenders who are happy with this set up.