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Updated 16th April 2020

Brightstar are still able to help you find solutions for your clients across all specialist lending areas:


Specialist Residential Mortgages

  • Furloughed employees considered up to 95% LTV (purchase) & 90% LTV (re-mortgage), both at a rate of just 2.99%. This provides an opportunity to help these clients at a time when they may be looking for a new mortgage deal to reduce their costs.
  • Desktop valuations for purchase, re-mortgage and capital raising up to 85% LTV. Debt consolidation limited to a max 80% LTV. Rates available from just 3.18%!


Complex Buy-to-Let Mortgages

  • Desktop valuations on single unit BTL cases up to 75% LTV with rates starting at just 2.75%. Some products available with no product fee!
  • Top-slicing available in support of BTL applications. Products available up to 75% LTV with BTL rates starting at just 2.89%.


Second Charge Mortgages

  • Second charge mortgages are available up to 100% LTV and can even be completed without the need for a survey. Rates start from 3.47% (with ERC’s) & 3.63% (ERC free). A second charge mortgage can help your clients to raise additional capital where a re-mortgage or further advance is not available.
  • Clients with adverse credit can also raise funds using a 2nd charge. Options available for clients with an existing DMP, up to 4 missed mortgage payments, CCJ’s & Defaults can even be ignored after 12 months (inside 12 months considered case by case). For these clients, loans up to 75% LTV are achievable with rates starting at 8.99%.


Bridging & Development Finance

  • Available up to 70% LTV with surveyors still available for inspections. Short-term lending provides the breathing space needed, while the longer-term solution is in process. Rates available from 0.48% per month
  • Desktop valuations up to 62.5% LTV with rates of 0.89% per month.


Commercial Mortgages & Business Cash-flow solutions

  • Rates available from just 2.5% + Base Rate. LTV’s available up to 75%. Capital raising still available with a suitable explanation for use of funds. Restaurants, hotels and pubs considered with strong accounts/retained profits. All other professions remain unaffected.
  • Unsecured business loans with rates starting at 5.9% p.a and loans up to £250,000, providing vital funds to support your client’s business needs.


*Please be aware! Interest rates and loan to values may vary dependant on case specifics.