Why do I consider Landbay a specialist BTL lender?

Why do I consider Landbay a specialist BTL lender?

15:11 PM, 27th March 2023, About A year ago

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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.

Contact Howard Reuben

Mortgages, Commercial and Bridging Finance, Life Insurance, Wills, Trusts and LPA's

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