Our lowest rate
2 year fixed rate

75% LTV

Initial rate 5.39%

Product fee 5%

 

Product highlights

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Personal ownership and Limited Company allowed

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No maximum property value

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HMOs/MUFBs of any size accepted

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0.25% reduction in fees for existing borrowers

LTV Mortgage type Term Starting rate Reversion rate Arrangement fee
75% Fixed 2 years 6.89% Starting rate or BBR + 2.14% whichever is higher 2%

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The loan

Repayment terms available?

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Interest-only terms available?

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Porting available?

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Bank of England Base Rate (BBR)

4.75%

Minimum loan

£1,000,000

Maximum loan

£5,000,000
(Loans £5 million+ will be priced on application)

Early repayment charges

Fixed: 4% year one, 3% for remaining fixed period.

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

No maximum

Ages

18-85 (end of term)

The fees and charges

Arrangement fee

2% arrangement fee, payable on completion, can be added to the loan and is non-refundable

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

Proceeding with an application

Follow one of the below to continue…

Having trouble placing a case?

Speak to your specialist finance account manager today.

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1 1 1 1 1
75% Fixed 2 years 5.39% Starting rate or BBR + 0.64% whichever is higher 5%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

4.75%

Minimum loan

£1,000,000

Maximum loan

£5,000,000
(Loans £5 million+ will be priced on application)

Early repayment charges

Fixed: 4% year one, 3% for remaining fixed period.

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

No maximum

Ages

18-85 (end of term)

The fees and charges

Arrangement fee

5% arrangement fee, payable on completion, can be added to the loan and is non-refundable

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

Proceeding with an application

Follow one of the below to continue…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1
75% Fixed 5 years 6.59% Starting rate or BBR + 1.84% whichever is higher 2%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

4.75%

Minimum loan

£1,000,000

Maximum loan

£5,000,000
(Loans £5 million+ will be priced on application)

Early repayment charges

Fixed: 4% year one, 3% for remaining fixed period.

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

No maximum

Ages

18-85 (end of term)

The fees and charges

Arrangement fee

2% arrangement fee, payable on completion, can be added to the loan and is non-refundable

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

Proceeding with an application

Follow one of the below to continue…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1
75% Fixed 5 years 5.99% Starting rate or BBR + 1.24% whichever is higher 5%

closetransparentClose account information

The loan

Repayment terms available?

checkgreen

Interest-only terms available?

checkgreen

Porting available?

closetableall

Bank of England Base Rate (BBR)

4.75%

Minimum loan

£1,000,000

Maximum loan

£5,000,000
(Loans £5 million+ will be priced on application)

Early repayment charges

Fixed: 4% year one, 3% for remaining fixed period.

The applicant(s)

CCJs

None in last 36 months

Defaults

None in last 36 months

Secured arrears

None in last 12 months

Unsecured arrears

Not applicable

First-time landlords accepted?

Yes

Professional landlords accepted?

Yes

Maximum no. of applicants

No maximum

Ages

18-85 (end of term)

The fees and charges

Arrangement fee

5% arrangement fee, payable on completion, can be added to the loan and is non-refundable

Application fee

£145 administration fee is payable when the valuation is instructed, and is non-refundable

Proceeding with an application

Follow one of the below to continue…

Having trouble placing a case?

Speak to your specialist finance account manager today.

erroriconPlease enter valid postcode

1 1 1 1 1

Loans £5 million+ will be priced on application.

In all cases the Starting Rate at completion is the lowest rate payable regardless of future changes to the Bank of England Base Rate.

Current processing times

Buy to let and HMO
  • Commercial
  • Semi-commercial
  • Buy to let and HMO
  • AIP review

    2 working days

  • Initial underwriting

    3 working days

  • Formal offer review

    3 working days

  • Additional correspondence and documents

    3 working days

alerticon

Submissions after 4pm will be considered as submitted the following working day.

Last updated 05-12-2024

  • AIP review

    2 working days

  • Initial underwriting

    3 working days

  • Formal offer review

    3 working days

  • Additional correspondence and documents

    3 working days

alerticon

Submissions after 4pm will be considered as submitted the following working day.

Last updated 05-12-2024

  • AIP review

    2 working days

  • Initial underwriting

    3 working days

  • Formal offer review

    3 working days

  • Additional correspondence and documents

    3 working days

alerticon

Submissions after 4pm will be considered as submitted the following working day.

Last updated 05-12-2024

  • AIP review

    2 working days

  • Initial underwriting

    3 working days

  • Formal offer review

    3 working days

  • Additional correspondence and documents

    3 working days

alerticon

Submissions after 4pm will be considered as submitted the following working day.

Last updated 05-12-2024

Current processing times

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Dave

Davey Gurm

Specialist Finance Account Manager
Areas covered

London and Greater London

info

I joined the team as a specialist finance account manager in 2021 after holding similar roles at a number of other financial services companies. I enjoy interacting with brokers and am dedicated to supporting our ongoing commitment to strengthen relationships with all of our intermediary partners.

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BDM Simon Ward Select & Core Images

Simon Ward

Specialist Finance Account Manager
Areas covered

Midlands

info

Having worked in the industry for more than 20 years, I’ve gathered an extensive knowledge of the mortgage process. I joined the company in 2018, first as a business development manager, then as a specialist finance account manager. My experience helps me to understand the challenges brokers face and allows me to help with the most complex of cases.

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Mo Parmer (1)

Mohinder Parmar

Specialist Finance Account Manager
Areas covered

London and South East

info

I joined the group in 2022 after more than 20 years of experience working in banking, first as a private banker then as a relationship manager looking after my broker partners. The thing I love especially about specialist lending is that every case I receive is different with its own set of challenges, so when I’m able to finally get it over the line it gives me a real sense of achievement. I’m really looking to helping you with your complex cases and showing off our exciting proposition.

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Charlootte

Charlotte Parker

Specialist Finance Account Manager
Areas covered

South West

info

I’ve been supporting brokers in South West ever since joining the company in April 2019. With nearly 20 years of experience working in financial services, I’ve developed a detailed knowledge of the mortgage market which means I’m perfectly placed to help you with your cases. Whatever support you need, I’m here to provide solutions to complex cases, and diffuse and resolve any issues that may arise during the processing of an application.

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This information is for mortgage professionals only and not intended for use by the general public. All rates, programmes and pricing are subject to change at any time and without prior notice. Mortgages are subject to valuation and approval.