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Brightstar almost halves quoted rate for property investor client

A buy-to-let case study


Our client’s were looking to further expand an already extensive property portfolio by purchasing 4 new buy-to-let properties via their Trading Limited Company.

Lending was required at 75% LTV on all new property purchases.


There were several obstacles with this case.  The first was that the Trading Limited Company has 3 directors, one a Dutch national residing in the UAE.  The existing portfolio was at a reasonable LTV and achieved good rental coverage, had £12 million of mortgage debt outstanding.  The client’s had previously been quoted 6.69% and were not happy to proceed on this basis.


Brightstar worked were able to source a 2-year fixed rate at 3.39% for the purchase of all 4 properties, almost halving the previous quoted rate.


Legal completions happened with 9 weeks of the application documents being received.