BUY-TO-LET - 1ST & 2ND CHARGE

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Specialist Buy To Lets – 1st & 2nd Charge
Specialist buy-to-let mortgages typically suit clients that do not meet all the criteria of the mainstream lenders. There can be multiple reasons for this such having a poor credit history, the property not being standard construction, rental income is the only source of income, may live overseas and not pay UK tax or just something as simple as not being Self Employed long enough.

The specialist market can be quite complex making it difficult and time consuming to find a solution if its not a marketplace you regularly work in. Lenders also limit those who can have direct access to their products.

Smart Money have the expertise to find a solution for your clients that will meet their needs by using a range of innovative and exclusive products from our panel of lenders. This means we can normally find a solution when a client has previously been declined.

PRODUCT HIGHLIGHTS

 1st Charge2nd Charge
Loan Amounts£30,000 – £2,500,000£10,000 – £1,000,000
Maximum LTV75%80%
Rates From4.29%8.99%
Term3-40 years3-30 years

1ST CHARGE - MAXIMUM LTV: 75%

Loan Amounts: 30,000 – £2,500,000
Rates From: 4.29%
Term: 3-40 years

2ND CHARGE - MAXIMUM LTV: 80%

Loan Amounts: £10,000 – £1,000,000
Rates From: 8.99%
Term: 3-30 years

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KEY FEATURES AVAILABLE INCLUDE:
  • Variable, 2, 3 and 5 year fixed rates
  • Capital Repayment and Interest Only
  • Any legal purpose
  • Desktop Valuations
  • CBTL products available
  • Adverse credit accepted
  • Ex pat, non-national & no right to reside residents
  • Limited Company lends
  • Minimum property value £50,000
  • UK Coverage
  • Equitable charges available
  • No maximum property portfolio limitation
  • No maximum age if only using rental income
  • Most property types accepted including high rise, ex local authority, listed, semi-commercial plus many others
  • Currently uninhabitable
  • Rental opinion accepted for untenanted properties
  • Rental income can be supplemented by employed/self-employed income
  • Day one AST’s
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