Commercial mortgages for residential property investors

Residential investment loans cover larger or more complex residential properties that are being purchased for rental return and capital gain. Lending can be against any type of multi-unit residential property such as apartment blocks, HMO’s, student lets or portfolios.

• Clients can generally achieve up to 85% LTV
• Rates start from c2% over base rate
• Repayment loans are typically over 20 years
• Interest only options can be arranged
• Mortgages can be taken in personal names, limited company, pension fund or trust
• Lender fees are typically 1% of the advance
• Terms will vary quite significantly dependent upon the property type, rental income etc.