In Business since 1996 0161 962 7800

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Mortgage Type

Buy To Let

Property Value (min)

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

Advance (min)

£50,000 (including HMO)

Advance (max)

Single units : -

£500,000 up to 80% LTV

£750,000 up to 75% LTV

HMO - Small HMO's - £1,000,000 - Large HMO's £1,500,000 up to 75% LTV - First time landlords considered.

HMOs up to 15 units - For Large HMO’s/MUFB cases, a minimum of 12 months experience managing a similar size property. No first time HMO operators.
Multi-Unit Freehold Block (MUFB) up to 10 units (max 75% LTV)

MUFB up to 10 units

£3 million - 75% LTV

Small HMOs, and up to £3 million for Large HMOs and MUFBs.

Up to £5mill with a maximum of 20 properties aggregated.

Term (Max)

30 years

Minimum Age

21 years

Maximum Age

85 at the end of the mortgage term

Family Cash Gift Deposit


Family Gift of Equity Deposit


Income (min)

£30,000 across all applicants


Residential Investment properties only, HMO's up to 15 rooms, Multi Unit Freeholds up to 10 units (15 units in Greater London).
Ltd Companies (Limited Companies must be NON-Trading SPV's);
SPV, property trading companies and layered companies
First time landlords considered for Small HMO's only.
HMOs and MUFBs available for tier 2 borrowers and HMO and MUFB hybrids - HMO product can be considered for first time landlords, and offer rental yield based valuations on small HMOs in Article 4 areas.
Maximum of 20 loans to £5 million total BTL borrowing with Lendinvest. Above £3m of borrowing the aggregated LTV on the portfolio will be restricted with a maximum exposure on any Buy-to-Let portfolio of loans with LendInvest of £5,000,000 at a maximum LTV of 60%.
The Bank will consider lending on the following property types:
Houses, Flats (including HMO Flats), Maisonettes, Apartments. Including New Build (with full certificates in place)
Studio Flats - (in London only; max 70% LTV) with a minimum gross internal floor area of 30 sq. metres. Accepted subject to underwriting & valuers commentary.
For Flats in a block up to 5 storeys (must have a lift if over 3 storeys). Flats up to 10 storeys accepted in Greater London.
Ex Local Authority flats if in a privately owned block (Greater London only)
Leasehold properties must have at least 65 years remaining at the end of the mortgage term. Commonhold and Shared Ownership are not accepted.
Existing HMO's must have all appropriate licences in place. New HMO's must meet all local authority licensing requirements prior to completion and an HMO licence must be obtained within 90 days post completion.
No more than 4 units or 25 % of total units allowable in one block (blocks of flats is 25% or 4 units whichever is the lower).
Maximum of 10 properties in one post code location (eg BH15 1)
Property above Commercial:
Flats above public houses or food premises are not accepted - refer if not.

Where a shareholder with less than 25% shareholding or a director who can be defined as having a significant controlling role in the business we will require personal guarantees and these officers to be added to the application.
Company structures - up to 3 layers as long as the same directors and shareholders are constant throughout. Holding company must have property SIC code or holding company related and hold no more than 5 companies inc Lendinvests.

Let to Buy (Turning Residential into Buy to Let)


DWP Tenants

Yes, can consider

Ex-Local Authority Properties


Minimum years remaining on leasehold property

65 years at the end of term

Minimum Ownership

No minimum although valid explanation required if remortgaging prior to 6 months

Permanent rights to reside and remain

Must have 3 year UK residential history and permanent right to reside (tier 1 Product pricing)



New Builds

Accepted - flats up to 70% LTV
New builds are defined as a property that has never been occupied or has been constructed or converted within the last 12 months.

Credit Score

No credit scoring, credit check only

Rental Calculation

Single Unit Properties: –
Basic rate taxpayers (20%) 125%

Limited company or LLP 125%

Higher rate taxpayer (40%) 140%

Additional rate taxpayer (45%) 140%

Refinance (no capital raised) 125%

HMO / Multi units
Basic rate taxpayers (20%) 130%

Limited company or LLP 130%

Higher rate taxpayer (40%) 145%

Additional rate taxpayer (45%) 145%

Refinance (no capital raised) 135%

@ 5% or 4.19% if using 5 year fixed product

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.

Valuation Fees

Please see product guide for further details on valuation fees.

Maximum number of applicants

2 indivdual, 4 Company Directors


Will lend in England, Scotland and Wales.


Access to LendInvest is available via selected packagers only, of which 3mc are one

Property Type / Commercial

New builds (with full certificates in place) - Flats up to 70% LTV
Apartments including new builds
HMOs (up to 15 rooms) and Multi Unit Freehold - HMO product can be considered for first time landlords, and offer rental yield based valuations on small HMOs in Article 4 areas.
HMOs with kitchenettes will be limited to 70% LTV
HMO Flats across the UK
SPV, property trading companies and layered companies
Flats in blocks up to 5 storeys
Flats up to 10 storeys In Greater London
accepted subject to valuers commentary.
Ex-local authority flats considered If in a privately owned block (Greater London only)"

First time landlords are considered for "Small" HMO's only.

Holiday Lets: -

ICR based on single AST rental income

Valued as a single dwelling house

There can be no title restrictions

Min income of £30k

Must meet our acceptable property type criteria

Customer must own 2 other BTLs (with one having been held for more than 12 months)

Must meet Tier 1 criteria

No HMOs/MUFBs can be considered

Max 5 bedroom house

Portfolio Landlords

Portfolio Landlords Accepted

Background Portfolio Requirements

– No maximum LTV for the overall portfolio
– A minimum rental stress of 125% at 5.5%

– Between 125% and 100%  if under 65% LTV, then If the total portfolio LTV < 65%, the case can proceed without the need for any additional affordability checks. Additional checks required if higher.

Portfolio Landlord Criteria

– Maximum of 20 loans to £5 million total BTL borrowing with Lendinvest
– No limit on the size of existing portfolio with other lenders

Additional Document Requirements

– Portfolio Schedule – All cases
– Business Plan – Not required
– Asset & Liability Statement – Not required
– Cashflow Statement – Not required
* Lender will accept client versions so long as covers the lenders minimum requirements

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