Why do I consider Landbay a specialist BTL lender?

Landbay’s Buy to Let Mortgages proposition is new and improved for 2023 and their criteria list below shows why they should be considered a serious specialist lender for the property rental market. Interesting? How many other lenders can offer all of this? Not many at all.

H D Consultants and Landbay have an exceptionally good relationship, with our Brokers often being invited to form part of a broker forum to help design products and systems.

(other lenders are available ? )

• They are BTL only
• New broker platform – Decision in Principle in 2 minutes
• Majority of their business is for Ltd companies – SPV, trading businesses and layered companies all accepted
• Single lets/HMO/MUFB
• All 5-year fixes are stressed at the pay rate• 5 year fixed rates 75% from 4.79%
• Market-leading affordability
• Declared income used for personal BTL’s (not gross rental which often pushes people into HRT bracket)
• Family gifts & inter-company loans for deposits accepted
• Complex partnership/company incorporations
• Portfolio landlords – no background LTV or borrowing limit
• Flats above commercial at 75%
• No min income for experienced landlords
• Day 1 Remo’s (market value considered)
• New build houses/flats up to 75%
• Capital raising for any legal purpose (but not for tax bills!)
• High-rise blocks private blocks (no story limit)
• FTL HMO MUFB – 6 units
• HMO and MUFB up to 12 units/rooms (15 by referral)
• HMO’s with pending licenses
• Hybrid properties (eg, Part HMO/MUFB)
• Investment valuations considered on HMO/MUFB
• Tracker range with no Early Redemption Charges

H D Consultants is a long-established Firm of BTL experts and we have helped a huge number of Property118 BTL landlords over many years. Can we help you too?

Contact us via the enquiry form below.