UK Residential Buy to let mortgages at 90% LTV.

 90% no proof of rental income and self certification of personal income do not exist in todays mortgage market.

90% Self Cert BTL Mortgage have been removed from the marketplace as such they are no longer available anywhere in the UK, but we can arrange mortgages based on the open market value OMV of a property if being brought at below market value. We have a BTL mortgage allowing for a loan of 70% against Open Market Value, to a maximum of 85% of actual purchase price.

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UK market update...

Please note BTL 85% and 90% Mortgage schemes have been withdrawn by all lenders. We will update the site again with new products for BTL products as soon as lenders make the products available. Please call for additional information.

Refused a BTL Mortgage? BTL Mortgages with low or no rental income:

If you think there is insufficient rental income to cover increased borrowings on the property, then we do have lenders who do not use the rental income calculation to limit the level of maximum borrowings. The mortgage is fully self certified on personal income and no rental assessment on valuation.  This is ideal for BTL property purchase where the property is in need of some modernisation before the full rental value can be obtained. And Ideal for landlords remortgaging property to raise additional capital for further property purchase. Until now most lenders were unable to lend as rental income could not cover the loan amount due to 115% - 125% Rental cover rule. BTL 90% No Early Repayment Penalties and No Proof of rental income

Buy to let mortgage quotes are free without obligation.

Please let us know the following information when calling or emailing

• Purchase or remortgage
• Existing Mortgage amount
• Value of property
• Property type -House/Flat & specify is it ex local authority
• Property location
• Freehold or leasehold
• Rental Income PA

• Details of any adverse credit history
• Employed or self employed
• Occupation & how long
• Income (Some lenders have minimum income requirements on products)
• Have you any other BTL property (some lenders minimum 3 properties)
• Do you own your own home or FTB
• Do you have proof of income, overtime or bonus income.

Other preferences:

1. Fixed Rates
2. Variable trackers
3. No Early Redemption penalties - eg if you want to sell property on.
4. or Allow some redemption penalties for cheaper interest rate products.

All of the above factors affect the products so if you could provide this information it will allow us to quote you the mortgage and best rates on the market

Our Specialist BTL & Buy-to-let Mortgage Advisor will find the best mortgage for your BTL property.  We can then email you a full written mortgage quotation.  We are confident you will be impressed with our mortgage services.