Sharon Van Loenen

Cut the Complex The future of Buy-to-Let lending. It’s time to Cut the Complex when it comes to Buy-to-Let lending. The UK BTL market is undergoing its most significant transformation in decades. While the market has evolved, many lenders have not. Professional landlords operate at a different pace. They scale portfolios strategically, often balancing acquisitions, […]

Homeowner Business Loan Residential 2nd Charge Only Buy-to-Let and 2nd Charge Do you have a client looking for a business loan to expand their operations or fund a major purchase? We specialise in offering secured loans for business purposes against both residential properties (2nd charge only) and buy-to-let properties. If you’re interested in learning more

Take a look at this week’s HLTV (High Loan-to-Value) starting rates for all Status 0 plans, effective from today. Your rates will be saved and honoured for 60 days after you have downloaded an ESIS for your customer. This week’s HLTV starting rates: LTV Band 87.50% 90% 92.50% 95% Variable rate +4.90% +5.90% +6.90% +7.30%

We’ve got some exciting news: we’re increasing our maximum LTV for Near Prime products to 90% from 85%. This increase will allow us to help even more to move, especially Near Prime customers who are first-time buyers and those with smaller deposits. Our increased maximum LTV will be available with 2, 3 and 5 year

New research reveals shared ownership’s economic advantages   Shared ownership already plays an important role in putting home ownership in reach of more people. And our newly commissioned research forecasts that a shared ownership property will be cheaper over 10 years than renting privately in 93% of areas across England. The report Taking the Longer

We’re the lender to help your customers with recent adverse credit boost their cashflow. That’s why we’re launching our latest Limited Edition Residential remortgage only product, available with £750 cashback and a free valuation across our Pepper 18, Pepper 12, and Pepper 6 ranges. The product is available on Pepper 18 and Pepper 12 up

The problem   A landlord owns three barns under one title and wants to use them for different rental purposes. Specifically, they plan to designate one barn for short-term rentals, another as a House in Multiple Occupation (HMO) for which they have a license, and the third as a holiday let. Other lenders are unwilling

Intercompany loans Did you know that we accept intercompany loans as a source of deposit for Limited Company buy to let applications? We introduced this following intermediary feedback, as part of our commitment to keep expanding our Limited Company range. Now more flexible For jointly owned Special Purpose Vehicle’s (SPV), it will now be acceptable