Foundation Home Loans

  • NEW Day One Remortgage Special for Landlords
  • Available for individual and limited company portfolio landlords
  • Up to 75% LTV
  • Available on F1 and F2 product ranges
  • Rates from 3.20%

The Mortgage Lender

  • 90% LTV on residential purchases and remortgages
  • Rates from 3.99 (2 year fixed) and 4.79% (5 year fixed) 
  • CCJs and defaults considered
  • Credit score will not be used to determine product rates
  • Multi-Loan Percentage Fee Products
  • For landlords who are submitting more than 1 application at the same time
  • Up to 80% LTV
  • TML application fee is waived
  • Check it out here

 Pepper Money

  • TFC Specials: Residential
  • Pepper12  - 85% LTV (no CCJs or defaults in 12 months)
  • Pepper6 - 80% LTV (no CCJs or defaults in 6 months - max 2 in months 7 to 12)
  • 2 and 5 year fixed rates available

Kensington

  • NEW Select Residential 95% LTV FEE FREE!
  • Exclusive rates from 5.19%
  • Consider up to 100% of bonus income
  • Debt Management Plans and Payday Loans older than 6 months considered
  • Defaults and CCJs (including unsatisfied) considered
  • NEW Mortgage Release  
  • Exclusive rates from 3.29%
  • Up to 70% LTV
  • Either free valuation & free legals, or free valuation & £250 cashback
  • Debt Management Plans, Defaults and CCJs (including unsatisfied) considered
  • Self-Employed Applicants Acceptable
  • Consider up to 100% of Bonus Income
  • Select Residential 95% LTV 
  • Exclusive rates from 5.09%
  • Failed Credit Score and self-employed mortgages considered
  • Consider up to 100% of bonus income
  • Debt Management Plans, Defaults and CCJs (including unsatisfied) considered

Together

  • 2 and 3 year Fixed Rate Buy-to-Let Products
  • Available on both first and second charge solutions
  • Maximum LTV on first charge remortgage 70% and first charge purchase and second charge 75%
  • No maximum age where rental income meets or exceeds the required interest coverage ratio (ICR)
  • Employed, self-employed, contract workers, zero hour contracts, retired, benefits and DWP accepted
  • Lending in retirement – accepted
  • 5 year Fixed Rate Residential Product
  • Rates from 4.99%
  • CCJs, defaults and secure arrears considered
  • Interest Only available on all products 
  • Employed, self-employed, contract workers, zero hour contracts, retired, benefits and DWP accepted
  • First time buyers accepted
  • 2 Year Fixed Rate First Charge Product
  • Arrangement fee reduced to £1,495
  • Rates from 5.49%
  • Most income and property types considered
  • LTV up to 75% 
  • Bridging Exclusive
  • Rates from 0.49%
  • Unmortgageable and non-standard property accepted by referral
  • Many status profiles considered
  • Wide variety of income sources accepted
  • LTV up to 75%
  • Commercial Exclusive
  • Up to 70% LTV
  • Commercial and residential investment considered
  • Loans between £30K and £1.5M
  • Buy-to-Let Special Plan
  • Standard Buy-to-Let, HMOs, Holiday Lets and Semi-Commercial Property considered
  • First and Second Charge options available
  • CCJs, arrears and defaults considered
  • Bankruptcy and IVA considered by referral

The Family Building Society

  • Buy-to-Let 5 Year Fixed Rate Mortgages
  • Rates from 3.79% 
  • Purchases and remortgages up to 70% LTV
  • Available on repayment and interest only basis
  • Interest Only Fixed Rate Mortgages - 2 and 5 Years
  • Rates from 3.19% 
  • Purchases and remortgages up to 80% LTV
  • £250 cashback on completion
  • Minimum loan amount of £250,000

Bluestone

  • Exclusive Sapphire Products
  • Discharged bankruptcy from 12 months
  • Current IVA’s, cleared on completion
  • Accept 75% of benefit income (DLA, Carers Allowance, Child Benefit, WFTC) if 2 years remaining and not primary source of income
  • Max 30% of household income

Click here for the Exclusive Guide