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BTL IconSpecialist Buy-to-Let

For the more Complex Buy-to-Let 

Designed to finance more complex transactions, the Specialist Buy-to-Let range is available for landlords wishing to finance their property transaction in personal names or through a Limited Company SPV. It is designed to finance more complex transactions, such as HMO/MUFB’s, holiday lets, including cases from Ex-pat applicants. The range is available to both amateur and professional landlords, from those purchasing their first rental property to large scale, portfolio landlords including Consumer Buy To Let products.

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W1
Highlights

Highlights

  • Satisfied / Unsatisfied CCJ's & Defaults (combined) - Maximum of 1 instance in last 72 months where balance is £250 or below
  • Missed mortgage / secured payments = 0 in 36 months and up to date
  • Unsecured arrears = 0 in 6 months, max of 1 missed payment in 12 months, and up to date
  • Bankruptcy / IVA = 0 in 72 months 
  • No payday loans, current or previous
  • No DMP, current or previous
W2
Highlights

Highlights

  • Satisfied Defaults & CCJs = Allowed 
  • Unsatisfied CCJ's & Defaults (combined) - Maximum of 1 instance in last 36 months where balance is £250 or below
  • Missed mortgage /secured payments = 0 in 24 months and up to date
  • Unsecured arrears = Highest of 1 in 12 months and up to date
  • Bankruptcy / IVA = 0 in 72 months 
  • No payday loans, current or previous
  • No DMP, current or previous
W3
Highlights

Highlights

  • Satisfied Defaults = Allowed
  • Unsatisfied Defaults = 0 in 3 months, 1 in 12 months up to a max of £5,000.Balances below £250 ignored.
  • Satisfied CCJs = Allowed 
  • Unsatisfied CCJs = 0 in 3 months, 1 in 12 months up to a max of £5,000. Balances below £250 ignored. 
  • Missed mortgage / secured payments = 0 in 3 months, 1 in 12 months
  • Unsecured arrears = Allowed
  • Missed payments on public utilities and communication suppliers ignored, subject to satisfactory explanation
  • Bankruptcy/ IVA = None in the last 72 months
buy-to-let

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For more information on our buy-to-let offering contact our support desk using the form below.