Saffron BTL
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 will typically accept landlords with up to 10 mortgaged properties.
Expat Buy-to-Let Options: Saffron offers tailored BTL products for UK expats, ideal for brokers working with clients who are based abroad but want to invest in UK property.
Holiday Let and Short-Term Let Products: For landlords interested in holiday lets or short-term rental strategies, Saffron provides specific mortgage products that cater to these types of properties.
Adverse Credit Considered: Saffron is more willing than many lenders to consider cases with some adverse credit, making them a valuable option for clients with less-than-perfect credit histories.
No Minimum Property Value: Unlike many mainstream lenders, Saffron does not impose a minimum property value, which opens up options for clients investing in lower-value properties.
Top-Slicing Accepted: Saffron allows top-slicing, enabling clients to use personal income to supplement rental income when determining affordability. This is particularly useful for those investing in lower-yielding but high-growth properties.
