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
- NEW - 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
- NEW - 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
