Finance, by what you hold
How a lender underwrites a portfolio changes with the property. The way a specialist desk reads a standard buy to let is not how it reads an HMO, a multi unit freehold block or a semi commercial asset. These are the property types we arrange finance for, and what drives each one.
The finance is buy to let and portfolio lending, but how a lender sizes and prices it changes with the property. A standard buy to let is assessed on the rent and the interest cover ratio. An HMO is valued and stressed on its room by room income and its licence. A multi unit freehold block is underwritten as a single freehold with several flats. A semi commercial asset blends residential and commercial lending. We arrange finance across all of them, matched to the lenders whose criteria fit the property and the way it lets.
We are briefing the detailed property-type pages now. In the meantime, tell us what you hold and we will tell you what is fundable and how best to structure it.
Funding a portfolio?
Tell us what you hold and how it is let, and we will tell you what is fundable and how best to structure it.