Quantum

Studio flats under 30sqm: Unlike many lenders, Quantum provides mortgage solutions for smaller properties, including studio flats below 30 square metres, ideal for investors seeking to tap into high-demand areas or student housing markets. 

Enhanced affordability calculations: Quantum utilises a forward-thinking affordability model, considering rental income potential and future growth, which can allow clients to borrow more based on projected yields rather than historic income. 

Flexible remortgage options: Whether landlords are looking to raise capital for new acquisitions or simply restructure their debt, Quantum offers flexibility with remortgage solutions, including capital-raising remortgages. 

Support for complex structures: Quantum is willing to lend to clients using more intricate ownership structures, such as limited companies or special purpose vehicles (SPVs), making it easier for landlords to optimise their tax and operational strategies. 

New-build and off-plan properties: Quantum is comfortable with lending on new-builds and off-plan properties, a common stumbling block for many lenders. This opens up investment opportunities in burgeoning property developments and regeneration areas.