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United Trust Bank BTL

United Trust Bank BTL

Flexible criteria for non-standard construction types: such as timber-framed, steel, or concrete properties, making it easier for brokers to secure finance for less conventional structures. 

Ability to accommodate clients with recent CCJs or Defaults: including those registered within the past 12 months, without automatically ruling them out, giving brokers more scope to help clients with imperfect credit histories. 

Properties located near or adjacent to commercial premises are considered: offering more flexibility for clients investing in properties in mixed-use areas, which can often be restricted by other lenders. 

No minimum income requirements for experienced landlords: enabling brokers to support portfolio landlords without the need to meet strict income thresholds, a critical factor in placing larger portfolios. 

Up to 80% LTV for BTL purchases and remortgages: offering competitive leverage to clients looking to expand their portfolios, even with higher borrowing requirements. 

Support for properties in need of refurbishment: enabling clients to secure finance on properties that may need light refurbishment, with the flexibility to move onto a standard BTL product post-completion. 

Acceptance of multiple rental income sources: including ASTs, corporate lets, and short-term holiday lets, giving brokers more flexibility in structuring deals for clients with diverse rental strategies. 

No upper age limit at the end of the term for experienced landlords: allowing brokers to help older clients continue to invest in BTL properties without age being a barrier to lending.