Property finance for cases that do not fit the high street
We arrange buy to let mortgages, bridging loans, HMO mortgages and mortgages for self employed applicants. If a bank has said no, that usually means the case needs placing properly, not that it cannot be done.
What we arrange
Specialist finance, placed properly
Buy to let mortgages
Personal name or limited company. First time landlords, portfolio landlords, HMOs and flats above shops.
How limited company BTL worksBridging finance
Auction purchases, chain breaks and refurbishments. Priced by the month, exited by refinance or sale.
What a bridging loan actually costsSelf employed mortgages
One year of accounts, retained profits, day rate contractors. Lenders differ widely on how they read your income.
Mortgages with one year of accountsRemortgages and equity release
End of fixed rate, capital raising to grow a portfolio, moving from personal name to a company.
The BTL remortgage processCheck before you call
Run your own figures first
Mortgage repayment calculator
The monthly payment on a repayment or interest only basis, the total interest over the term, and what the payment becomes if rates are higher when your fix ends.
Remortgage calculator
The monthly saving against your current rate, what is left after the product fee, and what it costs to do nothing and roll onto the standard variable rate.
BTL affordability calculator
The maximum loan the rental stress test supports at 125% and 145% interest cover, and which constraint actually limits your borrowing.
Bridging cost calculator
The true total cost of a bridge month by month, the arrangement fee, and the cost as a percentage of the loan.
How we work
Straight answers, early
Tell us the basics
What you are trying to do, roughly what deposit or equity you have, and how you earn your income. Ten minutes on the phone is enough.
We place the case
Membership of the Commercial Finance Network gives our clients access to over 100 lenders, including specialists and private banks that do not deal with the public directly.
You get an honest answer
If it is workable we say so and explain the route. If it is not workable yet, we say that too, and tell you what would change the answer.
Talk it through with us
Every case is different. Call us, message us on WhatsApp, or send us the basics and one of our team will come back to you about what you are planning, usually the same working day.