We’re excited to unveil a refreshed Buy-to-Let range – designed to help you offer products tailored to your clients’ individual circumstances.
What’s new:
We’ve retired our Digital BTL product and launched our new SB1 Specialist Buy-to-Let range:
- Single lets – houses and flats (up to 10 properties)
- HMOs and MUFBs – up to 10 units for clients with strong credit
This new range complements our recently expanded SB2 Complex & Large Buy-to-Let and existing Structured Real Estate products, giving your clients even greater choice and flexibility to suit their needs.
Now available across the whole Buy-to-Let range:
- AVMs (subject to eligibility) on individual houses and flats including new criteria for large portfolio loans of more than 10 properties
- A choice of variable and fixed rates of 2, 3, 5 or 10 years on every product
- Arrangement fees of 2%, 3% or 5% on every product, each with a matching interest rate to suit different requirements
NEW SB1: Specialist Buy-to-Let
- Loans up to £1m
- Broker commission at 1.25%
- Specialist Buy-to-Let mortgages for clients with a strong credit history (must meet new SB1 credit history criteria)
- Ex-pats (subject to 0.25% rate loading), serviced accommodation and top slicing acceptable on SB1 product
- Available to individual, partnership and limited company borrowers
Single Let Houses and Flats
- Rates from 4.59%
- Individual single let houses and flats
– up to 10 properties on a loan - AVM automatically offered by Broker
Hub but a physical valuation can be instructed where it is not available
HMOs & MUFBs
- Rates from 4.89%
- HMOs up to 10 occupants with investment valuations available
(where applicable) - MUFBs up to 10 units
Get a quote with NEW calculator here
SB2: Complex Buy-to-Let
Key highlights across all SB2 segments
- Buy-to-Let mortgages for clients with a good credit history – our previous Credit History Criteria renamed to SB2
- Complex borrowers including Trusts, SIPPs or companies with off-shore elements
- Most residential investment assets considered including HMOs and MUFBs with more than 10 units
- Complex transactions such as incorporations, social housing and share purchases catered for
- Exceptions to criteria considered on a case-by-case basis
Complex Buy-to-Let
- Rates from 5.34%
- Loans up to £1m
Large Buy-to-Let
- Rates from 5.19%
- Loans from £1m to £5m
- New criteria – AVMs now available on up to
75% of the security properties on portfolio loans
of more than 10 properties
Structured Real Estate
- Rates from 4.74%
- Loans from £5m to £35m
- Tailored loan structuring, dedicated Relationship Manager, use of AVMs