Lender

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…
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Diverse Client Profiles: Landbay offers lending options to individuals, SPVs, and trading companies, providing flexibility across various client profiles. Multi-Unit and HMO Consideration: The lender considers multi-unit freehold blocks (MUFBs) and Houses in Multiple Occupation (HMOs) with properties of up to 10 bedrooms, catering to larger investments. Proximity Lending: Specializing in lending on properties next…
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Lower Rental Calculation: Fleet Mortgages allow a lower rental calculation, making it easier for landlords to pass affordability tests, especially for high-yield properties, benefiting those with larger portfolios. Multi-Unit Freehold Block Financing: Brokers can access financing options for multi-unit freehold blocks, ensuring clients can maximize returns from multiple units under a single title. Day 1…
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No Minimum Income Requirement: Unlike many lenders, MT Finance does not impose a minimum income threshold on BTL applications, providing greater accessibility for clients who rely solely on rental income or have varied financial backgrounds.  Light Documentation: MT Finance streamlines its documentation process, making it easier for brokers to navigate the application on behalf of…
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Speed and Efficiency: MT Finance is renowned for its rapid decision-making and completion times, making it ideal for clients who require quick access to funds, whether for auction purchases or urgent property acquisitions.  No Early Repayment Charges: Clients benefit from no early redemption penalties, giving them the flexibility to exit the loan early without incurring…
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High Loan-to-Value (LTV) Options: With bridging loans available up to 85% LTV, LendInvest supports clients looking for high leverage, making it an ideal choice for borrowers seeking maximum capital from their properties.  Interest Retained or Rolled-Up: Offering interest options that can be retained or rolled-up throughout the term gives clients the flexibility to manage their…
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Wide range of property types accepted: LendInvest is comfortable lending on a variety of property types, from standard residential to HMOs, multi-unit blocks, and even semi-commercial properties, allowing brokers to meet niche client requirements. Experienced underwriters: LendInvest’s team of experienced underwriters brings a pragmatic and expert-led approach to cases, ensuring that even complex applications receive…
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High Income Multiples: LendInvest provides up to 6.5x income for professionals and up to 5.5x income for key workers, giving brokers flexibility when working with high-earning or essential service clients.  Flexible Criteria for Self-Employed Clients: With an understanding of the challenges self-employed clients face, LendInvest accommodates this demographic by using the latest year’s accounts, making…
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For brokers looking to serve older borrowers, LiveMore stands out with tailored products. We know lending to older borrowers can be tricky, but luckily LiveMore has the solution. They provide flexibility in terms of income sources and property types, making them a go-to for more complex cases.  Up to 10x loan-to-income (LTI) on an interest-only…
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Adverse Credit Consideration: Unlike many high-street lenders, Tandem Mortgages is more lenient with borrowers who have a history of adverse credit. They can accommodate CCJs, defaults, and missed payments, allowing brokers to place clients with challenging credit histories.  Manual Underwriting: Every application is assessed individually by experienced underwriters rather than relying on automated systems. This…
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