Tag: Loan to Value

Case study: The landlord who expanded using buy to let gearing

Author: Mark Alexander

8th December 2025, 5 months ago | 0

For landlords, growth often depends on using gearing – borrowing against equity in existing properties to fund further acquisitions. In...

The Impact of Stress Testing on Landlords’ Borrowing Power

Author: Mark Alexander

12th November 2025, 6 months ago | 0

Stress testing has become one of the biggest hurdles for landlords seeking finance. Even when rental income is strong, lenders...

Commercial Mortgages vs Buy to Let Mortgages vs Bridging Finance

Author: Mark Alexander

17th September 2025, 8 months ago | 0

Landlords often ask whether they should use a buy to let mortgage, a commercial mortgage, or bridging finance. The right...

How Much Equity Do You Really Need? Buy-To-Let Loan-to-Value Ratios Explained

Author: Mark Alexander

15th September 2025, 8 months ago | 0

One of the first questions landlords face when financing or refinancing a buy-to-let property is how much equity they will...

New 85% LTV bridging loan product

Author: Howard

1st February 2024, 2 years ago | 0

A Loan to Value of 85% is now possible with Lendinvest, including fees and 12-month roll-up interest of 1.09% per...

News Flash – 80% LTV available on New Build Flats!!

Author: Neil Patterson

5th March 2014, 12 years ago | 6

Ever since the Credit Crunch it has been very hard to finance new build flats on Buy to Let mortgages...

Loan To Value or Loan To Purchase Price?

Author: Readers Question

16th January 2014, 12 years ago | 7

Hi everyone Are there any BTL lenders that lend against the property valuation rather than the lower purchase price? For...

Kent Reliance Buy to Let no minimum income and 85%!

Author: Neil Patterson

4th December 2013, 12 years ago | 7

Kent Reliance Buy to Let have withdrawn their minimum income criteria of £25,000 even for 85% Loan to Value. However...

Shared Appreciation Mortgages for Buy to Let Landlords

Author: Mark Alexander

30th October 2013, 13 years ago | 0

A radical shared appreciation mortgage product for buy to let landlords is soon to be launched. The detailed criteria is...

Rics want a 5% annual price rise cap

Author: Neil Patterson

13th September 2013, 13 years ago | 13

The Royal Institution of Chartered Surveyors (Rics) want a 5% annual price rise cap for houses that triggers restrictions on...

Buy to Let mortgage products and criteria – market update

Author: Neil Patterson

20th August 2013, 13 years ago | 0

After updating and writing the article on our Buy to Let mortgage sourcing system and calculator I thought I would...

Our own Buy to Let Mortgage sourcing system and calculator

Author: Neil Patterson

19th August 2013, 13 years ago | 0

I have just finished updating all the products on our own in house Buy to Let Mortgage sourcing system and...

The Mortgage Works reduce BuytoLet rates

Author: Neil Patterson

21st June 2013, 13 years ago | 0

It was announced in the press that The Mortgage Works has today launched a 2.49% 2 year fixed rate, which...

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Leeds Building Society BuytoLet rates cut by up to 0.7%

Author: Neil Patterson

31st May 2013, 13 years ago | 2

The Leeds Building Society has cut its BuytoLet rates buy up to 0.7% on selected products whilst keeping low fixed...

Switch to a BuytoLet mortgage within six months of purchase

Author: Neil Patterson

26th March 2013, 13 years ago | 2

New commercial finance facilities are offering the option to switch bridging finance to a  BuytoLet mortgage within the normal 6...

The 2013 Budget and how it affects Landlords and property Investors

Author: Neil Patterson

21st March 2013, 13 years ago | 0

The 2013 Budget is hoped to boost the housing market and construction industry. Yesterday Chancellor George Osborne announced new plans...

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Is rent hiking a good business model?

Author: Ben Reeve-Lewis

21st January 2013, 13 years ago | 24

It’s been a while since I wrote anything in my ‘Don’t shoot the messenger’ series. Mainly because I kept getting...

BuytoLet Mortgage Calculator Update

Author: Neil Patterson

2nd November 2012, 14 years ago | 0

The BuytoLet Mortgage Calculator has recently had every product and lender listed checked and updated. From my observations doing this...

BuytoLet Loan Directory

Author: Neil Patterson

26th October 2012, 14 years ago | 0

The BuytoLet Loan Directory is the fourth feature publishing competitive and innovative product offerings to help clients identify appropriate funding...

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Couples In Property Limbo

Author: Property118.com Landlord News Team

25th October 2012, 14 years ago | 5

Couples in property limbo are living in Flatshares with no way onto the property ladder. 44% of couples living in...