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Compare Criteria - Buy to Let Mortgages

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Intermediary Status

Customer Type

Property Type

Age (end of Term)

Income

Rental at Pay Rate

  • Property Value

    £75,000 Standard Properties HMO £75,000 in certain postcodes BB, BD, CA, CW, DH, DL, FY (Excluding FY1-FY4), HD, HX, L, LA, M, NE, OL, PR, SK, TS, WA, WF, WN, YO £120,000 for postcodes not listed above

  • Advance (min)

    £30,000

  • Income

    £25,000 (Combined) £15,000 (Combined) for experienced landlords with more than 24mnths rental experience For First Time Buyer First Time Landlords then minimum employed income is £85,000.

  • 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 assessed on a case by case basis

  • 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 Ltd Company BTL considered - please see product guide 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...

  • Historic CCJ's & Defaults

    Maximum allowable adverse: - None in last 12 months Check product range for further information. **** Unsecured credit: - Fixed Term - None in the last 6 months. On Pepper 24, 18 and 12 products we will ignore 2 individual defaults (per application) up to and including £150.00 each where...

  • 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. Multi Unit Freehold (max 3 units in the freehold) – Client must not live in one part – Will lend on the Freehold value.

  • 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

    £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 minimum income

  • Maximum Age

    80 years at time of application, 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 more than 1 kitchen Studio - 30 SQM Portfolio limit for landlords of up to 20 properties allowed with Precise...

  • Historic CCJ's & Defaults

    Tier 2 - CCJs and defaults accepted if over 24 months Tier 1 - 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...

  • 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. SIPP's and SAS accepted Offshore LTD Companies and Trusts considered - Minimum loan size must be £750,000. Maximum loan size of...

  • 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

    £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. Studio flats: - Minimum sizes as follows: - 40 sqm if outside of London. 30 sqm if inside of London...

  • 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)

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

  • Income

    No Minimum Income for standard cases Minimum UK equivalent income of £50,000 for ex pat cases

  • Maximum Age

    85 at the end of the mortgage term

  • Type/Commercial

    HMO’s/MUFB's, student BTL. Multi-unit on 1 title, semi commercial, commercial investments units plus owner occupied commercial units. Maximum of 20 bedrooms or units considered up to 70% LTV Available to trading Ltd Co. SPV’s, SIPPs, SASS's, Family/Discretionary Trusts and individuals

  • 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 minimum

  • 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 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

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

  • Advance (min)

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

  • Income

    No requirement - any income must be from a legal source and evidenced - it 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

    HMO product available where maximum number of permitted occupants is less than or equal to 6 Large HMO products available where maximum number of permitted occupants is more than 6; up to a max of 8 bedrooms All Multi Unit blocks are classed as Large HMOs up to 10 units...

  • 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

  • Advance (min)

    £50,000

  • Income

    £18,000 for the primary applicant. First time landlords no longer accepted Bluestone allow use of non-property income to top up the shortfall in rental income (min rental coverage is 112.5%...

  • Maximum Age

    65 at the start of the mortgage term

  • Type/Commercial

    Can consider Regulated BTL - and will accept an AST Investment BTL will only now be available on Clear product basis

  • Historic CCJ's & Defaults

    Defaults and CCJ's ignored for product selection purposes if less than £300. Ignore all communication defaults/CCJ's None allowed in last 6 months outside of the above criteria unless communications, which are ignored. No pay day loans in last 12 months Secured arrears - Based on worst status shown on credit...

  • 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

  • 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 (£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 up to 70% LTV Flats Maisonettes Apartments including new builds HMOs (up to 15 rooms) and Multi Unit Freehold HMOs with kitchenettes will be limited to 70% LTV HMO Flats across the UK SPV, property trading companies and layered companies...

  • 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

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

  • Advance (min)

    £25,000

  • 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. Holiday lets (not flats) cannot be considered.

  • 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

    £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.

  • Historic CCJ's & Defaults

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

  • 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

    No maximum

  • Type/Commercial

    Residential and Semi Commercial

  • 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% 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 36 months. CCJ's & Defaults: Maximum 1 up to £250 in the last 3 years and satisfied. None in last 12 months. Payday loans - No.

  • Property Value

    £75,000

  • Advance (min)

    £25,001

  • Income

    £20,000 (non-rental) per application • For new applicants in the higher income tax bracket, the amount earned in rental income must cover at least 140% of the interest only mortgage...

  • Maximum Age

    No Maximum

  • Type/Commercial

    Single unit properties Holiday lets - Considered - they have a specific product range - see product guide. • The product is available for remortgage only • Loans of up to £500,000 can be considered • Maximum 70% LTV • Our existing BTL assessment rules apply. Evidence of rental income...

  • Historic CCJ's & Defaults

    Applicant(s) must satisfy the following criteria: Mortgage applications up to 80% LTV: • No missed payments in last 12 months on any (previous or current) mortgage, other secured loan or rent, and no arrears in months 13-24 (counting backwards from the present date), where the cumulative amount overdue at any...

  • 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

    No maximum age, but must be under the age of 70 at application

  • Type/Commercial

    Standard Individual properties only Pre-fabricated Reinforced Concrete, Poured Concrete, Steel Framed / Steel Clad (pre 2000), 100% Timber Framed (post 1980), Cob Construction, Colt Construction, Concrete Block, Stone and Part Rendered Breeze block with Pebble Dashed Outer Walls. Can also consider Consumer BTL's on standard BTL range only

  • Historic CCJ's & Defaults

    Ignored if registered over 24 months (communications Defaults ignored) Must be no secured missed payments in the last 24 months. Debt management plans need to have been conducted well for 12 months prior to application

  • 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 London & South East £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)

    £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). No lift required if the flat is on one of the first 3 floors above ground, irrespective of the number of floors in the block. - Will not lend...

  • 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

    £100,000

  • Advance (min)

    £30,000

  • Income

    £25,000

  • Maximum Age

    No maximum age. Maximum term is defined by ONS data.

  • Type/Commercial

    Property must be let on an AST Rental assessment is based on occupation by 1 family on an unfurnished let Minimum energy performance rating of E on an Energy Performance Certificate (EPC)

  • Historic CCJ's & Defaults

    All CCJ’s and defaults must be satisfied, small amounts of adverse can be considered. Other adverse is to be considered on a case by case basis – will be referred

  • Property Value

    £50,000

  • Advance (min)

    £25,001

  • Income

    No minimum income Will consider affordability using personal income for applicants Evidence must be retained of income and source of deposit for all applications You must ensure that you ask...

  • Maximum Age

    80

  • Type/Commercial

  • Historic CCJ's & Defaults

    CCJs Criteria (Unsatisfied or Satisfied) 1 or more CCJs registered in the last 2 years and the total value of CCJs is more than £100 - Decline 1 or more CCJs registered in the last 2 years and total value of CCJs is less than £100 - Accept 1 CCJ...

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