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Buy to let mortgage lenders

Buy to let mortgage lenders

Buy to Let Mortgage Lenders



The largest buy to let lenders are probably not mortgage lenders that most people will be familiar with.

These buy to let lenders design their products around the needs of the landlord. They are frequently the best choice because their interest rates are competitive and they are accommodating in their lending criteria.

The best buy to let schemes and lowest buy to let interest rates are often the preserve of this group of specialist lenders.

The best buy to let deals are often only available through mortgage brokers such as ourselves. This is due to the large volumes of business that we submit which enable us to obtain discounted rates

We have listed below some of the larger buy to let lenders:


Birmingham Midshires



Part of the Halifax - Bank of Scotland group of companies. One of the more efficient lenders. Birmingham Midshires will lend up to 75% of value. This lender has restricted all new borrowers to a maximum of 3 buy to let properties within the Halifax - Bank of Scotland group of companies.

Birmingham Midshires do not have a minimum income requirement

Birmingham Midshires require that the rental income should exceed 125% of the interest only mortgage payments calculated at the pay rate or 5% if higher

Birmingham Midshires offer a range of exclusive mortgages that are only available through mortgage brokers - please contact us for details of their current mortgages


The Mortgage Works



Part of the Nationwide - Portman Group.
One of the more efficient lenders. The Mortgage Works will lend up to 80% of value.

They will lend against HMO's - houses in multiple occupation. they will also lend to Limited companies - Companies set up for the sole purpose of managing a portfolio of property
The Mortgage Works do not have a minimum income requirement.

The Mortgage Works require that the rental income should exceed 125% of the interest only mortgage payments calculated at the pay rate

The Mortgage Works offer a range of exclusive mortgages that are only available through mortgage brokers - please contact us for details of their current mortgages

Accord Mortgages


Accord Mortgages is a dedicated Intermediary only subsidiary of Yorkshire Building Society, the UK's 2nd largest mutual Building Society
 
Accord frequently appear in best buy recommendations and are rapidly gaining market share

Aldermore Mortgages



Aldermore was the result of a merger in May 2009 between Ruffler Bank Plc and Base Commercial Mortgages Ltd. Aldermore offer buy to let mortgages with a minimum 20% deposit


Mortgage Trust


Part of the Paragon Group. Mortgage Trust have recently returned to buy to let lending

Mortgage Trust are targeting non-professional landlords - people whose main income derives from other than property.

Mortgage Trust offer a range of exclusive mortgages that are only available through mortgage brokers - please contact us for details of current products


Platform Mortgages



Platform Home Loans is a specialist lender that is part of the Co-Operative Bank.
They will lend up to 75% of value against buy to let properties.

Platform Home Loans require that the rental income should exceed 125% of the interest only mortgage payments calculated using their standard variable rate or any 3 year charge rate.
Platform Home Loans offer a range of exclusive mortgages that are only available through mortgage brokers - please contact us for details of current products


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