FAQs
Have a question? Need expert financial guidance? We’re here to help.
Frequently asked questions
We provide funding for offices, retail spaces, warehouses, hospitality venues, and mixed-use buildings.
Yes! We offer solutions for both new and experienced property investors.
Loan approvals typically take 2-6 weeks, depending on lender requirements.
Most lenders offer up to 75% LTV, depending on the property type and borrower profile.
We can arrange bridging finance in as little as 5-10 days, depending on the complexity.
Some lenders offer no-credit-check bridging loans if you have strong assets as security.
Most bridging loans are 6-24 months, depending on the project.
Yes! We offer tailored solutions for first-time developers.
Development finance terms typically range from 6 to 36 months.
Some lenders offer pre-planning finance—let’s discuss your options.
A Buy to Let (BTL) mortgage is a loan specifically designed for individuals or companies who want to purchase a property to rent out to tenants. These are different from standard residential mortgages and typically require a larger deposit.
Most lenders require a minimum deposit of 20–25% of the property’s value, although some may ask for more depending on your circumstances and the rental income.
No. Buy to Let mortgages are designed for rental purposes only. If you intend to live in the property, you’ll need to apply for a residential mortgage instead.
Lenders assess affordability based on the rental income the property is expected to generate. Most require the rental income to cover 125% to 145% of the monthly mortgage interest, depending on your tax status.
Yes. Many landlords choose to purchase rental properties through a limited company structure for potential tax efficiency and financial planning advantages.
Yes, UK expats living overseas can apply for mortgages to buy or remortgage UK property. There are specialist lenders who cater specifically to expats.
Lenders usually require proof of UK citizenship, overseas income, residency status, and a good credit history. Documentation requirements can be more detailed than for UK residents.
Expats can purchase a range of properties including residential homes, buy-to-let investments, and HMOs. However, criteria may vary depending on the lender.
An HMO is a property rented out by at least three unrelated tenants who share facilities like a kitchen or bathroom. HMOs are common among students or young professionals.
Yes. HMO mortgages are a specialist type of Buy to Let loan designed for landlords operating multi-let properties. They come with unique criteria and licensing requirements.
Yes. In most cases, landlords must obtain an HMO licence from the local council. Requirements vary by area but often include safety standards, room sizes, and maximum occupancy limits.
Still have questions? Let’s discuss your mortgage needs.
Buy to let
Yes! We work with lenders that accept foreign income and offshore applicants.
We can arrange bridging finance in as little as 5-10 days, depending on the complexity.
Yes! We offer tailored solutions for first-time developers.
We provide funding for offices, retail spaces, warehouses, hospitality venues, and mixed-use buildings.
A Buy to Let (BTL) mortgage is a loan specifically designed for individuals or companies who want to purchase a property to rent out to tenants. These are different from standard residential mortgages and typically require a larger deposit.
Most lenders require a minimum deposit of 20–25% of the property’s value, although some may ask for more depending on your circumstances and the rental income.
No. Buy to Let mortgages are designed for rental purposes only. If you intend to live in the property, you’ll need to apply for a residential mortgage instead.
Lenders assess affordability based on the rental income the property is expected to generate. Most require the rental income to cover 125% to 145% of the monthly mortgage interest, depending on your tax status.
Yes. Many landlords choose to purchase rental properties through a limited company structure for potential tax efficiency and financial planning advantages.
Yes, UK expats living overseas can apply for mortgages to buy or remortgage UK property. There are specialist lenders who cater specifically to expats.
Lenders usually require proof of UK citizenship, overseas income, residency status, and a good credit history. Documentation requirements can be more detailed than for UK residents.
Expats can purchase a range of properties including residential homes, buy-to-let investments, and HMOs. However, criteria may vary depending on the lender.
An HMO is a property rented out by at least three unrelated tenants who share facilities like a kitchen or bathroom. HMOs are common among students or young professionals.
Yes. HMO mortgages are a specialist type of Buy to Let loan designed for landlords operating multi-let properties. They come with unique criteria and licensing requirements.
Yes. In most cases, landlords must obtain an HMO licence from the local council. Requirements vary by area but often include safety standards, room sizes, and maximum occupancy limits.
Yes! We offer tailored solutions for first-time developers.
Development finance terms typically range from 6 to 36 months.
Some lenders offer pre-planning finance—let’s discuss your options.
Yes! We offer tailored solutions for first-time developers.
Development finance terms typically range from 6 to 36 months.
Some lenders offer pre-planning finance—let’s discuss your options.
Still have questions? Let’s discuss your mortgage needs.
Ready to secure the right property finance solution?
Get a personal consultation from a finance expert
Ready to secure the right property finance solution?
Ready to take the next step?
Contact us today to explore your options!
