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Compare Criteria - Specialist BTL/Commercial Mortgages

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Customer Type

Property Type

Age (end of Term)

Income

Property Value

  • Property Value

    £50,000 (£150,000 London), HMO's min £100,000 (£250,000 London)

  • Advance (min)

    £50,000 (£25,001 for Limited Company and HMO products)

  • Income

    No Min income however must be able to cover rent voids for 3-4 months based on EDI. No proof of income is usually required except where basic rate tax payer...

  • Maximum Age

    80 years at time of application, 110 maximum age limit, 70 years for FTB FTL
  • Type/Commercial

    SPV / LLP Limited Company Standard BTL investment properties such as a house or Flat HMO's up to a maximum of 8 bed - can also consider HMO' with 8 beds with 2 kitchens Portfolio limit for landlords of up to 20 properties allowed with Precise Mortgages. For properties 11...

  • Historic CCJ's & Defaults

    Adverse BTL Dependent upon product plan - Tier 1 highest range and Tier 3 lowest. **** Defaults 0 in last 12 months,2 in 24 months (max £5k) CCJ’s 0 in 12 months, 1 in 24 months (max £2.5k). Missed Mtg/Secured Arrears 0 in 12, Max 1 in 36 months. Unsecured...

  • Property Value

    £80,000 Standard £150,000 HMOs & Multi Units

  • Advance (min)

    £50,000

  • Income

    £25,000 for UK based applicants For Expatriates who are Employed: - £40,000 For Self Employed expatriates: £60,000 minimum.

  • Maximum Age

    85 at the end of the mortgage term
  • Type/Commercial

    Residential BTL properties in a condition to be let. No commercial properties. Property value must exceed £80,000 Must be suitable for letting at completion Must be in an area with strong rental demand as determined by our surveyor partners No holiday lets, Airbnb, consumer buy-to-lets, shared ownership, Help to buy,...

  • Historic CCJ's & Defaults

    No defaults OR CCJ's for 6 years

  • Property Value

    £75,000 for HMO. £200,000 for a multi unit 1 title

  • Advance (min)

    £25,001

  • Income

    No minimum income ***** Minimum income of £25000 is required for applicants who do not currently own a Buy to Let property.

  • Maximum Age

    80
  • Type/Commercial

    Up to 6 bed HMO / Up to 4 Multi Units on 1 title

  • Historic CCJ's & Defaults

    Ignored if registered over 24 months (communications Defaults ignored)

  • Property Value

    £75,000 (Including HMO) Multi-Units - Min Val for; 2 -10 units is £100,000 11 - 20 units is £150,000

  • Advance (min)

    £30,000

  • Income

    £25,000 minimum

  • Maximum Age

    85 years
  • Type/Commercial

    Standard BTL investment properties such as a house or Flat Multi Units HMO's Student Lets

  • Historic CCJ's & Defaults

    A comprehensive review of the credit history for each applicant will be undertaken, which will include a credit search on all applicants. Paragon Premier will undertake a credit score in order to ascertain the acceptability of the application and will not normally consider any application where there is evidence of...

  • Property Value

    £75,000 Exception is residential portfolios where min value is £50,000 for at least 2 properties.

  • Advance (min)

    £50,000

  • Income

    No Minimum Income

  • Maximum Age

    80
  • Type/Commercial

    Single Residential investment unit, HMO’s, student BTL. Multi-unit on 1 title, semi commercial, commercial investments units plus owner occupied commercial units. Available to trading Ltd Co. SPV’s and individuals. SIPP's and SAS accepted Offshore LTD Companies and Trusts considered - Minimum loan size must be £750,000. Flats in blocks exceeding...

  • Historic CCJ's & Defaults

    Unsatisfied CCJ’s/Defaults in last 24 months unacceptable. A1 credit profile on secured and unsecured lending. Will also look at the credit profile of any businesses that clients are associated with. Will take a pragmatic view of any small blemishes in their credit conduct, but any missed mortgage payments are likely...

  • Property Value

    £75,000

  • Advance (min)

    £100,000 (less will have a 2% load on the margin) £100,000 for Refurb products

  • Income

    No Minimum Income

  • Maximum Age

    85 at the end of the mortgage term
  • Type/Commercial

    HMO’s, student BTL. Multi-unit on 1 title, semi commercial, commercial investments units plus owner occupied commercial units. Available to trading Ltd Co. SPV’s, SIPPs and individuals.

  • Historic CCJ's & Defaults

    2 years with no adverse credit – no CCJ’s over £500 in last 3 year. All others can be considered

  • Property Value

    £133,333

  • Advance (min)

    £100,000

  • Income

    No minimum income (£40k income minimum for Expatriates) Will consider personal background income that show on the SA302 as zero but tax submission shows an income from properties

  • Maximum Age

    80 years at the end of the mortgage term. ***** Older applicants, on the same application, can exceed the 80 year maximum subject to underwriter approval.
  • Type/Commercial

    Residential Investment properties only, HMO's (Maximum of 6 bed), Multi Unit Freeholds (up to 6 flats 1 title), Expatriates, Holiday Lets and Ltd Companies (Limited Companies must be NON-Trading SPV's); *********** Maximum of 5 loans to £5 million and another 5 considered after six months seasoning on the first five,...

  • Historic CCJ's & Defaults

    CCJ's not considered in last 24 months, bankruptcy not considered with previous 5 years, late payments are considered. Previous repossessions are not. ****** CCJ’s registered in excess of 24 months prior to application may be considered where: they are for less than £500 in aggregate and are limited to a...

  • Property Value

    See minimum advance

  • Advance (min)

    £75,000 for Standard BTL £75,000 for Specialist BTL £125,000 for Expatriates

  • Income

    No minimum income except for Expatriates - £25,000, verifiable income

  • Maximum Age

    85 years at end of the mortgage term
  • Type/Commercial

    HMO's up to 8 beds (Over 8 bed - The client MUST already own a HMO property. Broker must call into Kent Reliance's team to obtain a quote for a valuation (Long Form Val), Kent Reliance can also lend on student lets. Up to 6 flats on 1 title allowed....

  • Historic CCJ's & Defaults

    Ignored IF - registered more than 3 years ago and satisfied prior to application. Ignored if registered and satisfied prior to 12 months prior to application. Ignored if less than £300 regardless of date of registration. Must be satisfied prior to application

  • Property Value

    £75,000

  • Advance (min)

    £50,000

  • Income

    No requirement - any income must be from a legal source, and will be assessed on the bank statements used to support the BTL application.

  • Maximum Age

    No maximum age for Limited Company applications. 85 for individual applications
  • Type/Commercial

    Up to 8 Bed HMO's and up to 10 units on 1 title. They offer true no minimum income BTL lending. HMO's and Multi units not available to first time landlords Also - a First time landlord product is available for non-owner occupiers, however not for first time buyers. Foundation...

  • Historic CCJ's & Defaults

    A maximum of one satisfied CCJ/Default up to the value of £2000 within the last 24 months, with none in the last 12 months. Any CCJ's prior to the 24 month period must be satisfied. Unsecured arrears - for Mail order, Utility accounts, communication contracts & credit cards. Underwriter can...

  • Property Value

    £60,000 (single residential units) £75,000 (HMO's, Multi Unit Freeholds and other properties)

  • Advance (min)

    £50,000

  • Income

    No minimum income - although evidenced income must support no more than 40% of personal debt. £25,000 minimum income for First Time Landlords

  • Maximum Age

    85 years at end of the mortgage term.
  • Type/Commercial

    HMO’s, student BTL. Multi-unit on 1 title, semi commercial, commercial investments units plus owner occupied commercial units. Available to trading Ltd Co. SPV’s and individuals. Allow single name into a limited company name using a directors loan and must be at market value.

  • Historic CCJ's & Defaults

    None in last 3 years for residential property. For commercial enquiries, up to 2 unsatisfied CCJs in the last 24 months up to a maximum value of £5,000. Allowed up to 5 CCJ's with the last 5 years will be considered subject to underwriting. Defaults considered on case by case...

  • Property Value

    Single residential units - £50,000 up to 70% LTV. Over 70% LTV, minimum valuation of £70,000 applies. HMO - £100,000, MUB - £175,000 in L&SE, £125,000 in all other locations. Ex Local authority flats/maisonettes min £125k outside London, £200k in Greater London up to 80% LTV.

  • Advance (min)

    £25,000

  • Income

    No minimum income

  • Maximum Age

    85 at the end of the term as standard (not a company structure). 95 at the end of the term for company BTL
  • Type/Commercial

    Flats LTV's available up to scheme limits. High rise flats must have a lift if over 4 floors (Ground+ 3 floors). High quality flats over 10 storeys (maximum 20) can be referred for underwriter consideration based on valuer’s comments on mortgage-ability & sale-ability Flats above commercial Flats situated above commercial...

  • Historic CCJ's & Defaults

    Historic CCJs and defaults generally ignored. Vida 1, No registered CCJ or Default worth £250 or more in last 36 Months. Vida 2, No registered CCJs or Default worth £250 or more in the last 24 Months. Vida 3, 1 Registered CCJ or Default in last 24 months (including unsecured...

  • Property Value

    £60,000

  • Advance (min)

    £26,000

  • Income

    No minimum income Net profit/income + other provable disposable income* x 50% must exceed all secured lending payments.

  • Maximum Age

    No Maximum
  • Type/Commercial

    Limited companies and Trading companies accepted

  • Historic CCJ's & Defaults

    CCJs/Defaults older than 24 months ignored. Up to 6 in last 24 months accepted. Satisfactory explanation required for all CCJs/Defaults

  • Property Value

    Loan to value maximum 70% based on acceptable valuation

  • Advance (min)

    Bank preference - £150,000 for new borrowers

  • Income

    Occupier - Minimum capital and interest cover to be 130%. Investor – Minimum 130% of net rental income. The Bank would normally look to allow a 10% deduction from Gross...

  • Maximum Age

    No maximum age
  • Type/Commercial

    Commercial Property Valuation includes offices, modern industrial/warehouse units, modern factory units, and retail units with or without living accommodation, investment properties (commercial/residential) Business Valuation – Commercial includes purpose built hotels, guest houses, bed & breakfast, with more than 6 letting rooms, purpose built restaurants, take-aways or restaurant units with letting...

  • Historic CCJ's & Defaults

    A maximum of one satisfied CCJ/Default up to the value of £2000 within the last 24 months, with none in the last 12 months. Any CCJ's prior to the 24 month period must be satisfied. Unsecured arrears - for Mail order, Utility accounts, communication contracts & credit cards. Underwriter can...

  • Property Value

    £100,000

  • Advance (min)

    £30,000

  • Income

    No minimum income - only requires that one applicant is in receipt of earned or pension income and is registered for UK tax

  • Maximum Age

    No maximum age. For any loan that extends into an applicant’s retirement, or beyond the age of 75, (whichever occurs first) retirement income must be evidenced and affordability proven.
  • Type/Commercial

    No HMO's or Limited Companies.

  • Historic CCJ's & Defaults

    Small amounts of adverse all satisfied will be considered

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