Lender

Up to 85% LTV for clients with adverse credit: Clients with adverse credit can access up to 85% loan-to-value (LTV), making it ideal for those who may have struggled with traditional lenders due to credit issues.  Unsecured adverse credit not counted: Clients who have experienced unsecured credit issues, such as credit card defaults or personal…
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No Minimum Income Requirement: This is particularly useful for clients who are experienced landlords but may not have a high PAYE income. Dudley focuses on rental income viability instead.  Holiday Let BTL Available: They offer buy-to-let options for holiday lets, giving clients with properties in tourist locations more options for financing their investments.  Flexible Maximum…
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Self-employed applicants: Dudley accepts a wide range of income verification for self-employed clients, including just one year of accounts, providing more options for those with less established businesses.  Expats and foreign nationals: They offer products specifically designed for British expats or foreign nationals looking to purchase property in the UK, accommodating a broader client base. …
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Adverse Credit Consideration: Bluestone specialises in lending to clients with impaired credit histories, such as CCJs, defaults, and missed payments. They can assist clients discharged from bankruptcy (Day 1) and with ongoing IVAs.  Affordability for Self-Employed: With options for self-employed clients, including those with only one year’s trading accounts or those using retained profit, Bluestone…
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No Minimum Income Requirement for Experienced Landlords: Saffron recognises that experienced landlords often manage substantial portfolios. As such, they do not impose a minimum income requirement, making it easier for seasoned investors to secure finance.  Portfolio Landlords Accepted: Saffron allows applications from portfolio landlords, understanding the diverse needs of clients managing multiple properties. The lender…
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Manual Underwriting: Saffron prides itself on a manual underwriting process, meaning each case is assessed on its own merits, allowing for greater flexibility when dealing with complex client situations or unusual income streams.  Self-Employed Solutions: Unlike some high street lenders, Saffron is more accommodating to self-employed borrowers, often considering applications with just one year of…
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Family Building Society Hub 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…
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Family Building Society Hub Interest-only available: Family Building Society offers interest-only mortgage options, which can be a valuable solution for borrowers looking to minimise their monthly payments while planning a long-term repayment strategy or relying on future asset growth.  Good with older applicants: Family Building Society accommodates older borrowers, with repayment mortgage terms extending up…
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SPVs from Day 1: Special Purpose Vehicles (SPVs) are accepted from day one of the client’s company formation, simplifying the process for newly formed companies.  Trading Companies Accepted: Trading companies can also apply for BTL mortgages, adding flexibility for clients with non-SPV limited companies.  Ltd Company or Personal Name: Bath Building Society accommodates both personal…
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Flexible Lending Criteria: Bath Building Society is known for being more flexible than larger lenders. They assess each case individually, making it easier for brokers to place clients with complex income structures (such as self-employed or contract workers).  Manual Underwriting: Unlike some automated systems, Bath Building Society uses manual underwriting, allowing for more personalized assessments,…
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