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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 or £150,000 in London postcode districts HMO minimum property value now £100,000, or £250,000 in London postcode districts

  • Advance (min)

    £40,000 for Individuals & Limited Company
    This includes single units, HMO's & Multi-units

  • 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, cannot turn 81 before completion - 115 maximum age limit, 70 years for FTB FTL

  • Type/Commercial

    SPV Limited Company Standard BTL investment properties such as a house or Flat HMO's up to a maximum of 6 bed - can also consider HMO' with 6 beds with 2 kitchens Portfolio limit for landlords of up to 20 properties allowed with Precise Mortgages. For properties 11 - 20...

  • Historic CCJ's & Defaults

    Defaults 0 in 72 months CCJs 0 in 72 months Missed mortgage/secured loan arrears 0 in 36 months Unsecured arrears 1 in 12 months, 2 in 36 months (worst status) - must pass credit score. Payday loans, will be considered at dip stage No adverse accepted in the last 3...

  • Property Value

    Minimum property value £120,000 (we have a little flexibility between £100-£120k), Ex Pat BTL tends to be min value £165,000 as minimum loan is £100,000 but again a little bit of flexibility)

  • Advance (min)

    £45,000 (A small amount of flexibility can be applied to the amount on referral sometimes)

  • Income

    No income assessment carried out. Applicants should be able to cover a minimum of 3-month rental voids and confirm this on the application form. Where a client does not have...

  • Maximum Age

    Max Age AT Application - C & I 90 and Interest Only 89. (5 Year Term max at these ages)

  • Type/Commercial

    Single units only.

  • Historic CCJ's & Defaults

    No defaults in the last 3 years and any over 3 years must have been satisfied 3 years ago CCJ's - will consider 1 satisfied under £500 in the last 3 years, all other CCJ's must have been satisfied over 3 years ago 1 communication supplier issue may be considered...

  • Property Value

    £75,000 Standard £120,000 HMOs & Multi Units £75,000 for HMO in qualifying areas - BB, BD, CA, CW, DH, DL, FY (Excluding FY1-FY4), HD, HX, L, LA, M, NE, OL, PR, SK, TS, WA, WF, WN, YO if none of these, then £120,000

  • Advance (min)

    £30,000

  • Income

    Combined total income from all applicants of £25,000 for UK based applicants. £15,000 (Combined) for experienced landlords with more than 24mnths rental experience For First Time Buyer First Time Landlords...

  • Maximum Age

    95 at the end of the mortgage term for Ltd Co’s where one other director is under 85 at end of mortgage term

  • Type/Commercial

    Residential BTL properties in a condition to be let. No commercial properties. First Time Buyer First Time Landlord accepted with minimum employed income of £85,000. Property value must exceed £75,000 Must be suitable for letting at completion Must be in an area with strong rental demand as determined by our...

  • Historic CCJ's & Defaults

    No defaults OR CCJ's registered in the last 24 months. If over 24 months then considered on a case by case basis

  • Property Value

    £75,000 Exception is residential portfolios where min value is £50,000 for at least 2 properties. For properties under £100,000 - see specific product range

  • 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. Individuals (UK and EU nationals residing in the UK) LTD Company (UK Incorporated) PLC (UK Incorporated) LLP (UK Incorporated) Trusts (Minimum...

  • 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. £100,00 for HMO's up to 10 beds. £150,000 for 11 + bed HMO's. 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 - however, non-portfolio landlord income requirements differ to portfolio landlord. Paragon can consider retained profit as long as the business does not required it for continued business. Such...

  • Maximum Age

    80 years old - up to 85 years old by exception only.

  • Type/Commercial

    Standard BTL investment properties such as a house or Flat Multi Units HMO's Studio Flats @ 30sqm

  • 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 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 poor...

  • Property Value

    £100,000 across all BTL range

  • Advance (min)

    £40,000

  • Income

    £20,000 for all BTL products

  • Maximum Age

    85 years old

  • Type/Commercial

    Must be Resi BTL, no semi or commercial properties allowed. LIMITED COMPANY Maximum Directors/ Partners Maximum of 2 - must be UK residents. Non-Trading investment company A Special Purchase Vehicle (SPV) can purchase a property from a related limited company or related individual subject to: • Same ultimate owners •...

  • Historic CCJ's & Defaults

    Any under £300 ignored, over £300 and within the last 3 years declines application with Masthaven.

  • Property Value

    £75,000

  • Advance (min)

    £100,000
    £200,000 Semi Commercial loans

  • 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 and semi commercial currently. - up to 20 bedrooms/units 70% Max for HMO/MUFB

  • 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

    Minimum property value £70,000

  • Advance (min)

    £25,001

  • Income

    £30,000 per application (no foreign currency income and rental income cannot be the principal income source. Rental income from the security property must also be excluded). Rental income can be...

  • Maximum Age

    Maximum age is 85 years old at the end of the mortgage term

  • Type/Commercial

    Houses: private and ex-local authority or social housing Flats & maisonettes: private only New build: - A property is to be considered new if it is a first sale by the builder However, properties which have not sold on physical completion will be considered on an individual basis Timber framed...

  • Historic CCJ's & Defaults

    Maximum allowable adverse: - None in last 12 months Total combine CCJ value of £2,500 accepted Check product range for further information. **** Unsecured credit: - Fixed Term - None in the last 6 months. Revolving credit - Missed payments considered if none in the last 12 months On Pepper...

  • Property Value

    £75,000 - unless low loan range £60,000

  • Advance (min)

    £30,000 for low loan range
    £50,000
    £500,000 for large loan range excluding fees

  • 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. Exclusive available with No ERC's on a discounted product - see lender page for further details HMO's and Multi units not available to first time landlords Also - a...

  • Historic CCJ's & Defaults

    Range Dependent: Standard Range: No CCJs/defaults registered in the last 24 months, regardless of whether they have been satisfied. All CCJs/defaults must be satisfied and brought up to date at time of application. Unsecured arrears - for Mail order, Utility accounts, communication contracts & credit cards. Underwriter can consider up...

  • Property Value

    £75,000 min

  • Advance (min)

    £50,000

  • Income

    No minimum income except for; Expatriates - £50,000, verifiable income. 2 years income is required for all self-employed applicants for income-backed products. Require no proof of income for portfolio landlords,...

  • 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 discuss options for the Valuation. Kent Reliance can also lend on student lets. Up to 6 flats on 1 title allowed. Available in SPV Ltd...

  • 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

    £50,000 (£120,000 London & South East) £120,000 for HMO £150,000 for properties above commercial premises

  • Advance (min)

    £25,001
    Ltd Co and LLP cashback products - £75,000

  • Income

    No minimum income

  • Maximum Age

    80 at application; 95 at the end of the mortgage term

  • Type/Commercial

    Single Residential units HMO's (up to 6 beds) Student lets and Multi units on 1 title (up to 6 on 1 title). Flats above commercial and ex local authority properties. HMO Leaseholds flats considered Minimum sizes as follows: - 40 sqm if outside of London. 30 sqm if inside of...

  • Historic CCJ's & Defaults

    CCJs – maximum 1 (max £250) in 36 months, 0 in 12 months. Must be satisfied at time of application. Secured arrears – 0 in 12 months, 1 in 24 months Unsecured arrears – 0 in 6 months, 1 in 24 months Defaults – 0 in 24 months Pay day...

  • Property Value

    £75,000

  • Advance (min)

    £70,000

  • Income

    No minimum income. ***** Minimum income of £25,000 is required for applicants who do not currently own a Buy to Let property. ***** Minimum income of £40,000 is required for...

  • Maximum Age

    85

  • Type/Commercial

    Ltd Company lending up to 75% on Standard units

  • Historic CCJ's & Defaults

    Ignored if registered over 24 months (communications Defaults ignored)

  • Property Value

    £75,000 (£150,000 - London) Standard - £150,000 (£250,000 - Greater London) HMOs & Multi Units £150,000 elsewhere.

  • Advance (min)

    £50,000 including HMO

  • Income

    £30,000 across all applicants

  • Maximum Age

    85 at the end of the mortgage term

  • Type/Commercial

    Houses New builds (with full certificates in place) Flats to 70% LTV HMO Flats across the UK Flats Maisonettes Apartments including new builds HMOs (up to 15 rooms) and Multi Unit Freehold HMOs with kitchenettes will be limited to 70% LTV Flats in blocks up to 5 storeys Flats up...

  • Historic CCJ's & Defaults

    Tier 1. No CCJ or defaults in last 5 years. Tier 2. No CCJ in last year. 1 in past 2 years must be satisfied at completion. No defaults in past year. 2 in past 2 years.

  • Property Value

    No minimum value

  • Advance (min)

    £100,000

  • Income

    £25,000

  • Maximum Age

    No maximum - all "later" life lending will be reviewed by credit committee during dip/application process.

  • Type/Commercial

    Single units - including freehold and leasehold.

  • Historic CCJ's & Defaults

    Consider on referral if CCJ is satisfied, was registered 5 years ago and for no more than £500. Defaults will be considered individually and will need to be satisfied. The Society will consider on referral mortgage arrears of no more than 2 months in the last 2 years. Please refer...

  • 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

    £75,000 single unit, unless Flat above commercial, MUFB or HMO - £100,000

  • Advance (min)

    £50,000

  • Income

    No minimum income requirement with two exceptions: At least one applicant to be earning £50,000 if using earned income to make up a rental shortfall; £25,000 gross income required if...

  • Maximum Age

    89 years at application, 95 years old at completion.

  • Type/Commercial

    Single units HMO's up to 6 bedrooms MUFB's (Multi units) up to 6 flats on 1 title Flats above commercial - up to 70% (up to £750,000) HMO & MUFB properties will be valued on a ‘bricks and mortar’ basis only, Zephyr Homeloans will not undertake investment valuations.

  • Historic CCJ's & Defaults

    Unsecured Loan Arrears & Credit Cards: No late or missed payments in last 24 months. CCJ's: - Maximum 1 up to £250 in the last 3 years and satisfied. None in last 12 months. Defaults: - No defaults must have been registered within the last 24 months Payday loans -...

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