Applicant Criteria
We lend to both Individuals and Limited companies /LLP’s Up to 4 individual applicants or Limited Company Directors and/or Shareholders or LLP Members.
- Up to 4 Limited Company Guarantors. Guarantors must include all Directors.
- Guarantors must together hold a minimum of 75% or more of the controlling share capital.
- Up to 4 LLP Guarantors which must include all designated members and those members with management rights as detailed in the LLP agreement.
Related words: Ltd Co, SPV, maximum applicants
0 in last 36 months accepted
By Referral Only:
Unsecured Arrears:
- Status 1 in 12 months (Max. 1 instance)
- Status 1 in 36 months (Max. 3 instances)
Secured Arrears:
- 0 in 12 months
- Status 1 in 36 months (Max. 1 instance)
Related words: Missed payments, adverse
Satisfactorily completed or discharged over 6 years.
Related words: Adverse, debt
0 in last 36 months
Related words: County court judgement, missed payments, adverse, outstanding debt
Status 0 in last 36 months.
Related words: Missed payments, adverse, arrears, payment plan, credit
0 in last 36 months
Related words: Adverse, debt, missed payments, arrears
Deposits from Inter-company / Director / Shareholder / Partner loans accepted.
Related words: Down payment, Limited Company, Ltd Co, Limited Liability Partnership, LLP
Available to both Individual and Limited Companies / LLP applicants.
Related words: Ltd Co, SPV, House in multiple occupation
Satisfactorily completed or discharged over 6 years.
Related words: Individual voluntary agreement, adverse, debt
Individuals – At least one applicant must have a minimum of 12 months as a current property owner. For HMO/MUFB properties at least one applicant must prove they have owned a minimum of 1 BTL property for 2 years.
LLPs are accepted.
Related words: Limited Liability Partnership, Limited Company, Ltd Co, SPV
85 at the end of the term.
Related words: Repayment, applicant age
No limit on number of properties/mortgages in BTL portfolio.
Related words: Unlimited properties, background properties
21 for primary applicant. (18 for secondary applicants).
Related words: age limit, how old
£20,000 per application
Related words: Salary, wage, combined
Available to both Individual and Limited Companies / LLP applicants.
Related words: Ltd Co, SPV, House in multiple occupation
New company incorporations are accepted.
Related words: Limited Company, Ltd Co, Limited Liability Partnership, new companies, start up
A personal guarantee must be provided by Limited Company Directors and/or Shareholders with 20% shareholding, and all designated members and members with management rights of an LLP.
Related words: Ltd Co, Limited Liability Partnership, LLP
Minimum landlord experience of 12 months.
Not accepted.
Related words:Repossessed, adverse, debt
UK resident for at least the last 3 years with permanent right to reside.
Related words: Foreign national, expat, citizenship
Acceptable SIC codes:
68100 | 68209 | 68320 | 68201
Related words: Limited Company, Ltd Co, Limited Liability Partnership, Standard Industrial Classification
Property related SPV accepted.
Related words: Limited Company, Ltd Co, Limited Liability Partnership, new companies, start up, special purpose vehicle
Trading companies are not currently accepted.
Related words: Limited Company, Ltd Co, Limited Liability Partnership, existing company, SPV
Credit History & Adverse
0 in last 36 months accepted
By Referral Only:
Unsecured Arrears:
- Status 1 in 12 months (Max. 1 instance)
- Status 1 in 36 months (Max. 3 instances)
Secured Arrears:
- 0 in 12 months
- Status 1 in 36 months (Max. 1 instance)
Related words: Missed payments, adverse
Satisfactorily completed or discharged over 6 years.
Related words: Adverse, debt
0 in last 36 months
Related words: County court judgement, missed payments, adverse, outstanding debt
Status 0 in last 36 months.
Related words: Missed payments, adverse, arrears, payment plan, credit
0 in last 36 months
Related words: Adverse, debt, missed payments, arrears
Satisfactorily completed or discharged over 6 years.
Related words: Individual voluntary agreement, adverse, debt
Not accepted.
Related words:Repossessed, adverse, debt
Limited Companies & LLPs
Deposits from Inter-company / Director / Shareholder / Partner loans accepted.
Related words: Down payment, Limited Company, Ltd Co, Limited Liability Partnership, LLP
Available to both Individual and Limited Companies / LLP applicants.
Related words: Ltd Co, SPV, House in multiple occupation
LLPs are accepted.
Related words: Limited Liability Partnership, Limited Company, Ltd Co, SPV
New company incorporations are accepted.
Related words: Limited Company, Ltd Co, Limited Liability Partnership, new companies, start up
A personal guarantee must be provided by Limited Company Directors and/or Shareholders with 20% shareholding, and all designated members and members with management rights of an LLP.
Related words: Ltd Co, Limited Liability Partnership, LLP
Acceptable SIC codes:
68100 | 68209 | 68320 | 68201
Related words: Limited Company, Ltd Co, Limited Liability Partnership, Standard Industrial Classification
Property related SPV accepted.
Related words: Limited Company, Ltd Co, Limited Liability Partnership, new companies, start up, special purpose vehicle
Trading companies are not currently accepted.
Related words: Limited Company, Ltd Co, Limited Liability Partnership, existing company, SPV
Property Criteria
Available to both Individual and Limited Companies / LLP applicants.
Related words: Ltd Co, SPV, House in multiple occupation