Mortgage terms can extend for a maximum of 40 years and there are options such as:

• Variable-rate option for the period of your mortgage or
• Fixed-rate mortgages for an arranged time at the start of your mortgage.

We can introduce you to lenders with some of the best option based on your circumstances and your affordability.

1. Commercial Mortgages

A commercial mortgage, also known as a business mortgage, is a loan used to finance the purchase of a commercial property for business purposes, such as an office building, retail space, or warehouse. It’s secured against the commercial property, meaning the lender can seize the property if the borrower defaults on payments. Commercial mortgages differ from residential mortgages in that they are typically used for commercial properties and businesses rather than personal residences.

Types of commercial mortgages we can introduce businesses and individuals.

1.Commercial property mortgages.

These are for establishing up a shop and starting a new business for limited companies or sole traders as an investment or to own it outright.

2.Semi-commercial mortgages.

A semi-commercial mortgage, also known as a mixed-use mortgage, is a loan designed for properties that have both residential and commercial components. It’s a hybrid between a standard residential mortgage and a commercial mortgage, offering flexibility for properties like shops with flats above, pubs with living accommodation, or offices with separate residential units.

3.Land mortgages.

A land mortgage is a type of loan used to purchase a piece of land. It’s secured against the land itself, meaning the lender has a claim on the property if the borrower defaults on the loan. Unlike standard residential mortgages, land mortgages are typically used for purposes like self-build projects, agricultural ventures, or commercial developments.

2. Commercial Buy to let

A commercial buy-to-let mortgage is a loan used to purchase a commercial property with the intention of renting it out to a business, rather than a residential tenant. This type of mortgage is like a standard buy-to-let mortgage, but it’s specifically designed for commercial properties like offices, retail spaces, or industrial warehouses. Lenders consider factors like the business’s trading history and projected income to assess the risk and determine loan terms.

We have lenders we can introduce you to who would consider no limit on the number of properties, individuals and limited companies, leverage portfolio equity for new purchases and if you are funding the property by yourself there is no maximum age.

Types of buy to let mortgages we can introduce businesses and individuals.

1. Buy to Let mortgages for HMO properties

Buy-to-let mortgages for HMO (Houses in Multiple Occupation) properties are specialized loans used to finance properties rented out to multiple unrelated tenants, typically sharing common facilities like bathrooms and kitchens. They differ from standard buy-to-let mortgages as they are designed for the unique circumstances of multi-tenanted properties

We can introduce you to lenders who considers no maximum number of rooms, non-UK and Expat applications and automated valuations.

2. Residential buy to let mortgages.

A buy-to-let mortgage is a type of mortgage designed for individuals who intend to purchase a property with the purpose of renting it out to others rather than living in it themselves. Unlike traditional residential mortgages, buy-to-let mortgages are specifically tailored for property investment and generating rental income.

Lenders would normally consider loans from £30k – £4.5m, interest only options available and non-UK and Expat applications considered.

3. Portfolio Buy to Let mortgages.

A Portfolio Buy to Let mortgage is a loan specifically designed for property investors with multiple rental properties. Instead of managing individual buy-to-let mortgages for each property, a portfolio mortgage consolidates them into a single loan, simplifying finance and streamlining investments.

Lenders would consider limited companies and individuals, HMOs and Holiday lets, and additional personal income considered.

4. Holiday let mortgages.

A holiday let mortgage is a type of loan designed for purchasing a property that will be rented out on a short-term basis, primarily to tourists or holidaymakers. Unlike buy-to-let mortgages, which assume long-term rentals, holiday let mortgages consider the seasonal nature of the rental income. This means lenders assess affordability based on the property’s potential to generate income during peak and off-peak seasons.

We can introduce you to lenders who would also consider no minimum income amount, non-homeowners and non-UK and Expat applications.

5. Secured loans on buy to let properties.

A secured loan on a buy-to-let property is a type of loan secured against the equity in a rental property, essentially creating a second mortgage on top of the original buy-to-let mortgage. It allows landlords to borrow funds using their existing property as collateral, offering an alternative to remortgaging or other forms of borrowing.

Interest only options considered, automated valuations, individuals and limited companies are also considered.

6. Buy to let renovation loans.

Bridging loans are short-term loans designed to ‘bridge’ a gap, such as financing the renovation period before you switch to a buy-to-let mortgage once the property is ready to be rented. Some lenders offer products that transition from a bridging loan to a buy-to-let mortgage once the renovations are complete.

Loans are normally from £30k – £4.5m, individuals and limited companies considered and no minimum income amount.

7. Buy to let mortgages for accidental landlords.

A buy-to-let mortgage designed specifically for accidental landlords, known as a Consumer Buy-to-Let (CBTL) mortgage, is a regulated product that allows individuals who didn’t initially intend to become landlords to rent out a property. It’s distinct from traditional buy-to-let mortgages, which are geared towards professional landlords. CBTL mortgages focus on the owner’s circumstances and affordability, rather than solely relying on rental income.

Offer depends on your rental income, no maximum age limit, HMOs and MUBS and Expat applications are similarly considered.

Personal Mortgages

We can introduce you to lenders for personal mortgages who undertake non-standard properties, gifted deposits, 100% benefits and offers discounted rate mortgages, joint borrowers are also welcome.

Options of Personal Mortgages we can introduce individuals.

1. Remortgaging for personal and joint borrowers accepted. Automated valuations are also considered.
2. Buy to let mortgages for accidental landlords.

Offer depends on your rental income, no maximum age limit, HMOs and MUBS and Expat applications are considered.

3. First time buyer mortgages.

Applicants up to 4 considered, gifted deposit and equity up to 75% and automated valuations also considered.

4. Moving home mortgages.

We can introduce you to moving home mortgages where lenders accept up to 4 applicants, benefits income and automated valuations are considered.

5. Shared ownership mortgages.

You can borrow up to 100% of the share price. Self-employed income, zero-hour contracts and 100% benefits, in addition considered.

6. Right to Buy mortgages.

We can introduce you to lenders who can help you buy your council house.

7. Self-employed mortgages and loans.

Must be trading for 12 months, complex and multiple income sources and projected income considered.