01275 399299
info@manormortgages.com

Specialist Buy-to-Let

Navigating the Buy-to-Let Mortgage Challenge

The rise in interest rates has made Buy-to-let mortgages difficult (and in many cases seemingly impossible) to place.
However, by utilising specialist lenders, landlords can
 overcome rental stress tests and expand their portfolios.

Submit a case

Criteria Highlights

Applicant

– Adverse accepted
– Expats and foreign nationals accepted
– No maximum age
– First-time buyer and landlords
– No minimum income

Standard tenancy

– Adverse accepted
– Expats and foreign nationals accepted
– No maximum age
– First-time buyer and landlords
– No minimum income

HMOs (inc. Student Lets) and MUFBs

– Large HMOs (up to 16 rooms)
– Large MUFBs (up to 20 units)
– Top slicing available

Portfolio landlords

– No stressing of background properties
– No restriction to the number of properties
in the background

Holiday Lets

– Airbnb or similar platforms
– Using High, Medium, and Low rental figures
average over 39 weeks
– Personal use of property permitted up to
60 days

Let to Buy

– Rental maximising products
– No consent to let required
– Properties let to family members
– Inherited properties accepted

Property

– Properties in England, Wales, Scotland and
Northern Ireland.
– Semi-commercial (up to 60% commercial
value)
– Unusual property types
– Flats near, above, or below commercial
premises
– Listed buildings
– Short leases

A few more things we’re great at…

Specialist BTL

Complex Residential

Bridging

Expat