Mortgages for Business and Commercial

Specialist in commercial and semi commercial mortgages. Retail, Offices, Hotels and more! Market leading rates. Call or apply online

Commercial & Business      90%LTV Buy To Let       HMO Mortgages     Residential Mortgage   Fast Bridging Loans 
 

UK Residential Buy to let mortgages.

 90% no proof of rental income and self certification of personal income.

Buy to let HMO mortgage sourcing showing products

Credit Crunch Information: Lenders withdraw 90% BTL Products

Mortgage Credit crunch economic climate Following the recent US sub-prime mortgage lending UK mortgage lenders responded by withdrawing certain mortgage products from the market on a daily basis.

Mortgage Credit crunch economic climate In August 2007 there were 30,000 mortgage products on the UK market.

Mortgage Credit crunch economic climate Today there are only 5,916 mortgage products available in the UK. (Figures taken 23/04/2008)

Mortgage Credit crunch economic climate BTL Mortgage products have reduced to around 1,458 Products, only 750 of which would be available at 80% LTV, and now only 270 products at 85% LTV.

Mortgage Credit crunch economic climate BTL Lenders have now withdrawn all 90% Buy to let products from the market. We do expect 90% Products to start comming back later this year. Yet we can still offer rental based 85% BTL mortgages and even buy to let mortgages with no proof of rental income.

 

If you would like a purchase BTL mortgage or BTL re-mortgage up to 85% Ltv, or would like to find out what would be the best possible mortgage deal for your purchase or remortgage, call us or complete our online BTL enquiry form and we will be glad to search the market for you.

Go to the BTL Mortgage enquiry form here

We can now offer Japanese YEN Currency mortgages these can be secured against properties in both the UK and abroad. The low bank base interest rates currently below 1%PA. This product is limited to 70% LTV

 

We arrange BTL mortgages at 85% and 90% LTV with no broker fees. If you are looking to purchase or remortgage BTL property houses and flats, we have access to every BTL mortgage product on the market call us to day on 0800 496 95 95 to discuss you specific mortgage requirements.

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 restrict the level of 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 uninhabitable and renovation property with mortgage 85% of Market value

Buy virtually any residential property in need of refurbishment to sell for a quick profit. Eliminates the need to purchase on bridging. Instant equity drawdown to take deposit back or refurb costs.

Full Details CLICK HERE

 

Buy to let mortgage quotes are free without obligation.

free quote for BTL mortgage

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.

 

 

BTL Mortgages to 90% self cert income no rental assessment

Development Finance | Self Build Loans   Fast Bridging Finance   HMO Property Mortgages   Self Cert Commercial Mortgage  

 

  

 

Yes To Commercial mortgages

YES: Up to 100% Lending
YES: Self-Cert up to £10m
YES: Commercial refinance
YES: Start up Business
YES: CCJs or Bad credit
YES: Competitive rates

Commercial mortgages

BTL & HMO Mortgages

Yes To Development Finance

YES: Up to 100% Funding
YES: Self Builds
YES: Land with no planning 
YES: Renovation loans
YES: Development loans 
YES: Commercial development

Business Funding

Yes To BTL & HMO Letting

YES: 90% LTV BTL
YES: Self Cert Income
YES: No rental asessment 
YES: No ERC's or HLC
YES: Portfolio refinance
YES: Low interest rates

BTL HMO Let Mortgage

Yes To Bridging Finance

YES: Up to 85% LTV OMV
YES: 100% Purchase price
YES: Funds in 10 days
YES: Development Finance
YES: No Hidden Charges
YES: Rates from 0.99%/mth

More info on Bridging Finance

Yes To Corporate Business Finance
Corporate Business Finance
Management Buy Out Financing
Asset Funding & Trade Finance
Factoring
Invoice Discounting

 

Accepted property types

Semi Commercial Property
Hotels & Hotel Redevelopment
Offices - Office Blocks
Retail Shops -W/wo Flats Above
High street Retail premises
Warehouses & Distribution centers
Take aways -W/Wo Flats Above
Buy-To-Let portfolios
Multiple Occupancy (HMO)
Bed and Breakfast Houses
Restaurants
Pub Leases & Freehold public houses
Veterinary Surgeries
Private healthcare Clinics
Nursing homes
Doctors & Dental Surgeries
Property Development Finance
Industrial Units
Factories & Production plant machinery
Farms & Agricultural Machinery
Franchising
Land with or without planning
Motor trade & Garage Forecourts
Leisure Premises - Health Clubs - Gyms
Site Redevelopment opportunity finance

 

 

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