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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

    £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

    Minimum property value £70,000

  • Advance (min)

    £25,001

  • Income

    £18,000 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 Houses - 75% LTV Max Flats - 75% LTV Max - see below for types of flats considered. Leasehold Flats with a lease term < 85 years unexpired (such cases will each be considered on their own...

  • Historic CCJ's & Defaults

    Maximum allowable adverse: - (Unsecured missed payments - 2 individual utility, communication, or mail order account defaults up to and including £200.00 each ignored (Applicable to Pepper 24 & 24 Light products downwards, but excluding Bankruptcy range products) None in the last 12 months Total combined CCJ value of £2,500...

  • 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

    £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
    £300,000 for Owner occupied/Trading Business

  • 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. Owner Occupied trading business considered - Nicknamed Opco/Propco. 2 years trading accounts required. 75% LTV Interest only available £300,000 minimum loan...

  • 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)

    £50,000 unless the product states otherwise.

  • Income

    No minimum income

  • Maximum Age

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

  • Type/Commercial

    Single Residential units No first time landlords 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...

  • 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 Larger MUFB's - 75% Max LTV The minimum property value of £150,000 for properties located within the M25, £100,000 elsewhere At least...

  • 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

  • Advance (min)

    £100,000
    £50,000 Semi Commercial & 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, semi commercial and Commercial, no maximum bedrooms 75% Max for HMO/MUFB and Semi Commercial 75% LTV max for Commercial. Holiday lets considered up to 75% LTV on a residential investment basis available for Ltd company also. Commercial: 75% LTV - Acceptable usage -...

  • 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 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

    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 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

    £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

  • 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. 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

    £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

    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 - 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. Green Mortgages available for the remortgage of properties with an EPC rating of C or above 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...

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