Direct Mortgages

Hard built into our one-stop property portfolio building platform are direct mortgages, with the following features:

• Direct Lenders - not brokers or intermediaries
• Up to 100% LTV
• Up to 30yr repayment period
• Low rates: 1.00% -10.00%

A. BUY-TO-LET MORTGAGES

You can buy your first BTL property with us seamlessly.

B. PROPERTY PORTFOLIO MORTGAGES

Ideal for businesses that own a cluster of properties, property portfolio loans can eliminate the hassle of managing multiple commercial mortgages and let you buy your real estate with just one umbrella deal. Portfolio Mortgages, are a type of business loan designed for landlords or property investors who own multiple buy-to-let properties - residential and commercial.

FEATURES

Loan consolidation:

All eligible properties are grouped under one mortgage, managed by one lender (us), with a single monthly repayment.

Eligibility:

Typically available to landlords with at least four mortgaged buy-to-let properties. Some lenders have their own criteria regarding the number of properties or total loan value, but ours kicks of at four.

Property types:

The portfolio can include a mix of property types, such as standard buy-to-lets, HMOs (houses in multiple occupation), holiday lets, multi-unit freeholds and commercial properties such as offices and warehouses

Lender assessment:

Lenders assess the overall performance of the portfolio, including rental income, property values, loan-to-value (LTV) ratios, and the landlord’s experience and financial stability

Affordability checks:

We consider the aggregate rental income and ensure the portfolio meets minimum interest coverage ratios (ICR) and maximum LTV requirements

Documentation:

Applicants must provide detailed information about all properties in the portfolio, including rental agreements, cash flow, and usually, a business plan.

WHO IS IT FOR?

Investors, entrepreneurs, landlords, corporations, social housing co-operatives.

You can either be UK Residents or Qualified International Investors - No time wasters please !!