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Compare Criteria - Specialist BTL/Commercial Mortgages

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Intermediary Status

Customer Type

Property Type

Age (end of Term)

Income

Property Value

  • Property Value

    - Standard property £50,000.
    - HMO /MUFB £150,000 in LSE, £100,000 outside LSE.
    - Ex-local Authority £150,000 in LSE, £75,000 outside LSE.
    - Properties above or adjacent to commercial £100,000.
    - Freehold property conversions £150,000 in LSE, £100,000 outside LSE.
    - Other restrictions may apply.

  • Advance (min)

    £25,001

  • Income

    £15,000 (£25,000 for first time landlords).

  • Maximum Age

    95 years at end of term, 89 years at application.

  • Type/Commercial

    Able to accept BTLs, HMOs and MUFBs in both personal and Ltd Co applications. These also include (but not limited too) ex-local, above/adjacent to commercial and new builds.

  • Historic CCJ's & Defaults

    If within the last 3 years, we are able to accept status 1 and 2, as well as any CCJs and defaults under £250.

  • Property Value

    £65,000 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

    Large Loan range: -
    Min. loan size £1,500,000 million

  • Income

    £25,000 (Combined) £15,000 (Combined) for experienced landlords with more than 24mnths rental experience At least one applicant much be employed, or self-employed. NB - Rental income can be included in...

  • 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

    Above Commercial - considered up to 75% LTV 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. Trading Limited Companies are acceptable, however the company must have the related SIC code for property rental...

  • 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

    £135,000

  • Advance (min)

    £100,000

  • Income

    No minimum income required.

  • Maximum Age

    85 years

  • Type/Commercial

    Standard BTL, BTL Flats, Flats above commercial subject to valuers comments, Small HMO up to 6 rooms, Small MUFB up to 6 units

  • Historic CCJ's & Defaults

    CCJs None in last 36 months Defaults None in last 36 months Secured arrears None in last 12 months Maximum 2 in last 36 months Unsecured arrears Maximum 2 in last 36 months Bankruptcy/Debt Relief Order None (6-year history) IVA/Debt Management Plan None (6-year history) Repossession None (6-year history)

  • 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 10 Bed HMO's and up to 10 units on 1 title. They offer true no minimum income BTL lending. Mixed-use (Part-commercial) - considered, check product range as it may be Solutions. Green Mortgages available for the remortgage of properties with an EPC rating of C or above HMO's...

  • 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

    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) Including Ex pat

  • 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

    Single Unit / MUB & HMO Range £125,000
    Specialist Range £70,000

  • Advance (min)

    Single Unit / MUB & HMO Minimum loan: £100,000
    £25,001 on Specialist products and ex pat's

  • Income

    No min income for UK applicants Foreign National or Expat need min income of £35k GBP equivalent

  • Maximum Age

    Single Unit, MUB / HM0 85 years Specialist Range – NO maximum age

  • Type/Commercial

    Flats including studios below 30sqm, New build flats, Ex local authority flats with deck access up to 12 floors, High Rise, MUB, HMO, Holiday Lets, Airbnb, Semi Commercial Units, BTL investor led developments, properties located above or adjacent to commercial except petrol stations and hazardous industrial units including food or...

  • Historic CCJ's & Defaults

    We can accept x 2 maximum CCJ’s or Defaults, they need to be under the value of £500 and satisfied in full with an explanation of why they occurred

  • 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)

    £75,000 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

    £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 for BTL
    Commercial Loan minimum loan size is £150,000
    £300,000 for Owner occupied/Trading Business unless commercial loan amount states otherwise. Check product guide to see if available.

  • 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. Retail assets as acceptable security, but subject to underwriting. Owner Occupied trading business considered - Nicknamed Opco/Propco. 2 years trading accounts...

  • 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

    £62,500 (for products assumes max 80% LTV).
    £120,000 London & South East
    £120,000 for HMO
    £150,000 for properties above commercial premises

  • Advance (min)

    £75,000 minimum loan for the latest product range

  • Income

    No minimum income

  • Maximum Age

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

  • Type/Commercial

    Single Residential units (First time landlords considered up to £350,000 loan) 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. Corporate lets/SERCO - TML accept a maximum 6 month break clause on...

  • 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

    Standard property £75,000
    Ex-Local Authority property £100,000
    Studio flat £100,000

    80% LTV available against ‘standard’ freehold and leasehold properties. Any construction type highlighted by our valuer as non-standard will be restricted to a maximum 75% LTV.
    Non-standard property construction max LTV of 75%
    Above/adjacent to commercial property max LTV of 75%
    MUFB/HMO maximum LTV of 80%

    Larger MUFB's - 75% Max LTV
    The minimum property value of £150,000 for properties located within the M25, £100,000 elsewhere
    At least one applicant must be able to evidence they currently own, and have owned for at least 2 years, a minimum of one BTL property
    Maximum of 10 units in the block
    All units must have separate services

    Larger HMO's - 75% Max LTV
    All types of HMO will be acceptable including licenced, C4 planning use, Sui Generis planning use, as well as properties requiring considerable alternation to sell as a family home
    At least one applicant must be able to evidence they currently own, and have owned for at least 2 years, a minimum of one BTL property
    Maximum of 10 bedrooms
    No limit on the number of lettable rooms
    Minimum property value of £150k for properties located within the M25, £100k elsewhere

    Short term lets considered

    Flat above/adjacent to Commercial £250,000 within M25 (£150,000 All other regions)
    Shared House (single unit rental) £75,000
    Shared House (room-by-room rental) £250,000 within M25 (£150,000 All other regions)
    House of Multiple Occupancy £250,000 (£150,000 All other regions)
    Multi-unit Freehold Block £150,000

  • Advance (min)

    £25,001

  • Income

    £20,000 combined income per application.

  • Maximum Age

    85, mortgage term must end before the oldest applicants’ 86th birthday

  • Type/Commercial

    Standard Freehold property max 5 bedrooms Standard Leasehold house/flat/maisonette Ex-local authority house Ex-local authority flat/maisonette Studio flats more then 30sqm Flat above/adjacent to Commercial subject to valuers comments CHL - Light refurb range: - three products: Light Refurbishment, Cosmetic Improvement and EPC Improvement. The first two products are designed to...

  • Historic CCJ's & Defaults

    Unsecured Arrears: 0 in 6 months, Status 1 in 12 mths (Max. 1 instance), Status 2 in 24 months Secured arrears: 0 in 6 months, Status 1 in 24 months (Max. 1 instance) Defaults: Unsatisfied max. £250 in 36 months. Satisfied max. £500 in 36 months CCJ’s: Unsatisfied max. £250...

  • Property Value

    £150,000 for Semi-Commercial and Commercial units on Select range

    Core range:

    Commercial /Semi-Commercial / Bridging Finance products:

    £200,000

    Buy To Let products: -

    £1,000,000.

  • Advance (min)

    £350,000 for Semi-commercial and Commercial
    £500,000 for BTL
    £250,000 for Brigding

  • Income

    No Minimum Income

  • Maximum Age

    85 at the end of the mortgage term

  • Type/Commercial

    Select Range: - Semi-Commercial reduced product rates for properties with more than 55% residential value (DONE ON VALUE NOT UNIT VOL or SIZE) HMO’s, student BTL. Multi-unit on 1 title, semi commercial and Commercial, no maximum bedrooms 75% Max for HMO/MUFB and Semi Commercial 75% LTV max for Commercial. Holiday...

  • 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 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 20 beds (Over 8 bed - The client MUST already own a HMO property. Broker must call into Kent Reliance's team to discuss the Valuation options. Kent Reliance can also lend on student lets. Up to 6 flats on 1 title allowed. Available in SPV Ltd Co...

  • 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

    Houses Minimum value £100,000 with maximum value £5M
    Flats Minimum value £125,000.

  • Advance (min)

    £50,000

  • Income

    There is no minimum income requirement. However, the primary applicant must be able to evidence income via a latest - payslip, SA302, signed accounts, pension statement. Alternatively an employment reference...

  • Maximum Age

    At least one applicant must be under 85 years old at the end of the term.

  • Type/Commercial

    Any applicant, either individually or in a Ltd. Company (SPV), owning other BTL properties. Ltd Co's that have been formed for holding residential Buy to Let properties as assets. Trading companies are not permitted DIRECTORS OR SHAREHOLDERS Up to a maximum of 4 individuals. The application must include all directors...

  • Historic CCJ's & Defaults

    ALLOWABLE ADVERSE CREDIT UTB Status 0 criteria: Active unsecured credit – All accounts currently up to date (mail order and communications ignored). CCJs and Defaults – None in the last 2 years with a maximum of 5 totalling £5,000 whether satisfied or not (less than £300, mail order and communications...

  • 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 Holiday lets considered Short term finance also considered, see product guide.

  • 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

    £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 - HMO product can be considered for first time landlords, and offer rental yield based valuations on small HMOs in Article 4 areas. Flats Maisonettes Apartments including new builds HMOs (up to 15...

  • Historic CCJ's & Defaults

    Adverse credit - Available to all applicants/properties: -Unsecured arrears - max status 2 (can have multiple status 1&2) & communications disregarded. -CCJ’s - disregarded over 3 years ago Adverse credit - (Tier 2) - Available for standard properties, HMO's & MUFBs -Unsecured arrears - not counted -CCJ's - None in...

  • Property Value

    £60,000 (single residential units) £75,000 (includes HMO, MUF, Commercial, Semi-Commercial and Commercial Owner Occupier assets)

  • Advance (min)

    £50,000

  • Income

    No minimum income - although evidenced income must support no more than 40% of personal debt.

  • 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. Non-standard construction Wimpey No Fine and Laing...

  • Historic CCJ's & Defaults

    None in last 3 years for residential property. None registered in last 36 months , CCJs registered over 36 months ago considered , Over 36 months, does not need to be satisfied if total combined value is up to £500. Over 36 months, needs to be satisfied for 36 months...

  • Property Value

    £133,333 - minimum loan amount is £100,000 - so property has to be over this amount.

  • Advance (min)

    £100,000

  • Income

    No minimum income

  • Maximum Age

  • Type/Commercial

    Residential and Semi Commercial The value of the residential element can be up to 50% of the total valuation and should have its own separate access • Large and small portfolios • Holiday lets • HMOs • Development exits • Sitting tenants • New build flats Purpose Built Student Accommodation...

  • Historic CCJ's & Defaults

    Assessed on a case by case basis

  • 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 -...

  • 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 £80k outside London, £200k in Greater London up to 80% LTV.

  • Advance (min)

    £100,000 - supersedes all minimum property values

  • 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. No restriction on number of storeys in a block of flats No requirement for a lift above 4th floor Flats near to or above bars, pubs and petrol stations considered Multi-Unit Blocks (MUB) now available up to 6 units Landlords considered with no...

  • Historic CCJ's & Defaults

    Vida 1, No registered CCJs or Default in last 48 months. No Unsatisfied CCJs Vida 2, No registered CCJs or Default in the last 36 Months. No Unsatisfied CCJs Vida 3, 1 Registered CCJ or Default in last 24 months (includng unsecured defaults) (0 in last 18 months of £250...

  • 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...

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