Family Building Society BTL

Family Building Society imposes no limit on the number of BTL properties a borrower can hold. This makes it an ideal choice for portfolio landlords who need flexibility as they expand their investments. 

With a minimum joint income of only £20,000, Family Building Society offers greater accessibility to clients with moderate earnings.

They offer up to 80% LTV, allowing landlords to leverage more of the property’s value, which can be particularly appealing to those looking to maximise their borrowing. 

The lender accepts gifted deposits from immediate family members, offering clients more options for financing, particularly those looking to help younger family members enter the property market or build their portfolio. 

There is no minimum time as a landlord required, allowing newer investors to enter the market and still take advantage of favourable rates and criteria, even if they haven’t had extensive property experience. 

For expats, Family Building Society caters to a wide range of countries, making it a go-to option for UK nationals working abroad. 

There are no specific employment rules for expats, meaning salaried professionals, contractors, or self-employed individuals can apply without additional barriers, provided they meet the overall criteria. 

UK property ownership is a must for expatriates, but no additional stringent property history requirements exist. This keeps things straightforward for clients looking to invest back home while living abroad.