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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

    £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. Holiday lets (not flats) can be considered...

  • 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

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

  • 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 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 - 20...

  • 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

    £75,000 for HMO. £75,000 per unit MUFB

  • 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

    Up to 6 bed HMO / Up to 6 Multi Units on 1 title both available to 80% LTV - must have at least 1 BTL property £75,000 per unit if MUFB Can consider HMO's let to Students Ltd Company lending up to 80% on Standard units For both HMOs...

  • Historic CCJ's & Defaults

    Ignored if registered over 24 months (communications Defaults ignored)

  • Property Value

    £80,000 Standard £120,000 HMOs & Multi Units

  • Advance (min)

    £50,000

  • Income

    Combined total income from all applicants of £25,000 for UK based applicants. For First Time Buyer First Time Landlords then minimum employed income is £85,000

  • Maximum Age

    85 at the end of the 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 £80,000 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

    No minimum value

  • Advance (min)

    £75,000

  • 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

    £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 Paragon can consider retained profit as long as the business does not required it for continued business. Such as an antique dealer.

  • 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 Student Lets Studio Flats @ 30sqm AirBnb - considered Holiday Let - considered Short Term Let - considered

  • 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 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. 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

    £100,000

  • Advance (min)

    £75,000 for 75% products
    £250,000 minimum loan for 65% LTV products

  • 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 for the youngest applicant. 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 10 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

    £75,000

  • Advance (min)

    £100,000
    £200,000 for Commercial and 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, semi commercial, commercial investments units plus owner occupied commercial units. 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 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)

    £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. 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

    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

    See minimum advance

  • Advance (min)

    Minimum loan on HMO & LTD is now £50,000

    Personal BTL minimum £50,000

    Multi units minimum loan is £75,000

    If over 75% then minimum loan is £100,000.

    £125,000 for Ex patriates

    £750,000 minimum "Large" loan.

  • 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 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

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

  • 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

    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)

    £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

    £75,000 (£150,000 - London) Standard - £150,000 (£300,000 - London) HMOs & Multi Units

  • Advance (min)

    £50,000 including HMO
    £150,000 for 3mc exclusive

  • 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 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 to 10 storeys In Greater...

  • 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

  • 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

    Term must end on or before the customer's 80th birthday
  • Type/Commercial

    Limited companies and Trading companies accepted HMO's, Multi units and Student lets Semi Commercial Holiday let product available - Up to 65% LTV on loans up to £500k - Up to 50% LTV on loans greater than £500k (above 50% LTV by referral) AirBNB considered up to 65% LTV on...

  • Historic CCJ's & Defaults

    Commercial mortgages - CCJs/Defaults older than 24 months ignored. Up to 6 in last 24 months accepted. Satisfactory explanation required for all CCJs/Defaults Specialist BTL - CCJs/Defaults older than 12 months ignored. Up to 6 in last 12 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
    £60,000 for HMO

  • Income

    £25,000

  • 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

    HMO's up to 6 bed rooms - defined as large HMO's, 4 bed HMO's are considered to be on "Small" range Property must be let on an AST Rental assessment is based on occupation by 1 family on an unfurnished let For porfolio landlords the maximum LTV INCLUDING fees is...

  • Historic CCJ's & Defaults

    Small amounts of adverse all satisfied will be considered

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