Buy-to-Let Mortgages

The BTL mortgage market has changed significantly due to rapid increase in interest rates in 2022 and 2023. BTL mortgages are much harder to achieve the same level of gearing now that Bank Base is not below 1%.

We can source the best offer in the market for your BTL property, whilst maximising leverage and LTV on your assets.

What We Offer

Our Expertise

We know the BTL market and continually monitor lenders’ interest rates and their affordability criteria. We also regularly deal with complex and/or large HMOs.

We know the lenders who look at leverage on a holistic basis and who can factor in other sources of income outside of the property itself, in order to achieve a higher loan amount.

In addition, we work with those specialist lenders who are not required to adhere to the PRA’s restrictive rules on affordability.

Affordability

The impact of taxation on the net profitability of Buy-to-Let properties has meant lenders across the marketplace have changed their affordability calculations substantially.

Stress testing requirements have changed for the worse. And so, Buy-to-Let mortgage affordability is much more complex and varied than it used to be.

Development Finance

We source and execute finance across the whole stack of development finance – senior debt, mezzanine, stretched finance and equity.

What It Is

Development finance directs capital into projects that promote economic growth, reduce poverty, and improve infrastructure and essential services in emerging markets.

It comes from sources like government aid, multilateral organizations, and private investors, aiming to create long-term value and positive social and environmental impact.