A 5-in-1 Buy-to-Let deal made possible through Bespoke BTL
As you are probably aware, there’s a major development taking place in the PRS. Many smaller landlords are weighing up their position within the market, while professional landlords are best placed to make the most of the opportunities post-Renters’ Rights Act. One property developer recently approached us with a highly complex ask – they wanted […]
Finding a solution for borrowers with multiple income streams
When Chris Arnold from Penguin Wealth approached Buckinghamshire Building Society with a complex residential case, the Society’s relationship-led approach and experienced underwriting team helped turn a challenging application into a successful outcome. The case involved a couple in their 50s and 60s purchasing a property with a low loan-to-value, less than 40%. While the low […]
We don’t shy away from complex properties
Property complexity isn’t a barrier. Not every case involves a standard property. From HMOs and multi-unit blocks to short-term lets and larger investment properties, different property types often require a different lending approach. That’s where experience matters. At CHL Mortgages, complex property lending is at the core of our proposition. Whether you’re placing a straightforward […]
Keystone Make Exciting Changes To Their Products
Last month, Keystone made some exciting changes to their products. As part of their ongoing commitment to supporting brokers and their landlord clients, they have streamlined their product ranges, simplified guides and introduced some special edition products. What’s changed… 🌟 Standard, HMO, MUB, Ex-pat and holiday let products can all be found in one simple […]
What’s New at Principality
Principality (the UK’s 6th largest Building Society, with 95% of its mortgage business coming through the intermediary channel) has announced a wide set of criteria enhancements for brokers: Affordability & Income Potential homebuyers, including first-time buyers, may now borrow ~20% more on average Minimum income requirement reduced to £30k; minimum loan size reduced to £150k […]
When affordability is the challenge, think April
Affordability remains one of the biggest barriers for many aspiring homeowners. 7x LTI No ERCs when moving home or repaying from own funds. Rates that drop automatically as LTV drops. Unlimited overpayments. The plus comes as standard ↖️ That’s where our AffordAbility+ proposition can help. Unlocking access for up to 7x loan-to-income for eligible customers. […]
Some reputations take years to build. Some take only one…
Complex Income? We’ve seen it all. Do you know what we need to assess complex income cases? From locum medical professionals and supply teachers to agency workers and those on zero-hours contracts, we know that not everyone works a standard 9-to-5. That’s why we take a common-sense approach to assessing income. What we’ll need: At […]
Increased Maximum LTV
We are pleased to announce that our maximum LTV’s have increased on lump sum loans by 1%-1.5%. The table below shows these new LTV’s which are now available. This means the Riverton product includes: Market leading rates on these new LTV’s Higher maximum LTV’s than other Rothesay funded products Potential future further advance opportunities at […]
REDUCED 5 year fixed rate limited edition products
We’re pleased to introduce our reduced limited edition 5 year fixed rate products. Rates start from 5.04% and feature no application fee and free valuations. Singing Dwelling Rates from 5.04% No application fee No valuation fee HMO and MUFBs Rates from 5.14% No application fee No valuation fee Limited-edition products this way To find out more, speak with your business […]
Turn your client’s property equity into business funding
Do you have a client who owns their home and needs funding for their business? We may be able to help them raise between £25,000 and £500,000 for: Purchasing an investment property Buying equipment or machinery Growing their business We offer two options, depending on what works best for your client: Second Charge Homeowner Bridge Loans Up […]