CHL Mortgages Criteria Update

Happy New Year From All At CHL

With the New Year comes some criteria enhancements:

  • Day 1 remortgage with new market value and capital raising off of bridge or cash purchase considered
  • Studios now accepted to 30m2
  • Multi-unit min Valuation reduced to £150k
  • Individual High Rate tax payer stressed at 140@
  • Ltd Co rates from 2.69%
  • Minimal underwriting on Portfolios
  • STD Panel Solicitors allowed to act for both sides on Ltd Co applications

And Please remember:

  • Unlicensed HMO’s on STD products
  • Freehold/Leasehold connection allowed
  • Inter company sales
  • Inter company loans allowed for deposits
  • We can lend on 100% of a block of 10 leasehold flats
  • Inter family sale with gifted dep/equity
  • Flats above shops considered
  • XLA flats considered to 70% LTV

Please call/email Paul Flude here for more details or to discuss a specific application.

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