Interest rates reduced on 80% LTV specialist Buy to Let mortgages

Interest rates have recently been reduced on 80% LTV Buy to Let mortgages.

Below is a small selection of specialist BTL deals:

• EPC Specials: if you have a property that is rated EPC A-C, benefit from reduced rates.
• Stress Free BTL: No Stress Test on background portfolio & favourable rental calculations
• Landlords with Non-Property Income: If you also have an income of at least £25k pa outside of property, benefit form reduced rates with CASHBACK & FREE VALUATIONS.

EPC Specials – Rating of A-C only:

• 80% LTV products available for properties that have an EPC rating of A, B or C.
• Free Valuation & No Minimum Income Requirements!

Customers with 10 or less mortgaged Buy to Let properties at completion

• 2 Year Fixed Rates from 2.69% with a 2% Lender Fee & 5 year fixed rate from 3.0%  (Both with £250 cashback & free valuations)

Customers with more than 10 mortgaged Buy to Let properties at completion

• 2 Year Fixed Rates from 3.49% with a £995 Lender Fee  & 5 year Fixed Rate at 3.74% (Both with £250 cash back & free valuations)

Limited Company SPV Mortgages:

• 2 Year Fixed Rates from 3.49% with a £995 Lender Fee & 5 Year Fixed Rate from 3.74%

Stress Free BTL  – NO Portfolio Stress Test & Favourable Rental Calculation:

• 80% LTV
• Favourable rental calculation with all applications stressed at 125%, irrelevant of tax rate!
• No backgrounds Portfolio Stress Test
• Free / Discounted Valuation

2 Year Fixed Rates from 3.89% with  2.00% Lender Fee & 5 Year Fixed Rate 4.15%. Personal Name, Limited Company & LLP applications

Landlords with Non-Property Income:

• 80% LTV
• For landlords with a minimum Income of £25,000 per annum per application which is not derived from rental properties, and less than 10 properties.
• Free Valuation

2 Year Fixed Rates from 3.12% with a £995 Lender Fee & 5 Year Fixed Rate 3.2% (Both with £250 cashback & free valuations)

With such a huge variety of specialist lenders updating their products regularly, it’s never been more important to discuss your lending requirements with a knowledgeable broker.

If you require assistance with this or any type of property finance, please complete the contact form below and my team and I will be happy to help.