Buy to let solutions
Let us work with you to find the right mortgage for your landlord clients and those looking to buy a property to let. We specialise in providing bespoke mortgages for your clients, including those with more complex circumstances.
To get in touch about these products, please call your Specialist Business Development Manager or talk to the team on 01858 412345.
Key features
Lending into retirement and annexes accepted under tier one pricing
Top-slicing on all cases with no minimum ICR
Regulated BTL solutions available with options for complex properties and non-owner occupiers
Direct access to your dedicated underwriter
Standard product fee of 0.65%
Up to 75% LTV, with lending between £200k and £2m
Scenarios
Properties in need of refurbishment prior to letting
Property let out to a family member
Complex income such as foreign currency
Non-owner occupiers considered
Properties with multi-units or multi-lets
Complex properties including large acreage and listed buildings
For properties let on a short-term basis, visit our holiday let page for products and criteria information. We also offer buy to let solutions for your expat clients.
Products and rates
Our products and the rates we can offer are tailored to your clients’ circumstances, with variable and fixed rates available. We treat each case individually. If you’d like more information, or to chat through a case please call your Specialist Business Development Manager.
| Product type | Complexity | Min/max loan size | Rates from | For more information |
|---|---|---|---|---|
| Buy to let | Tier one | £200k – £1m | 5.85% | Product Guide |
| Buy to let – no fee | Tier one | £200k – £1m | 6.07% | Product Guide |
| Buy to let | Tier two | £200k – £2m | 6.10% | Product Guide |
| Buy to let – no fee | Tier two | £200k – £2m | 6.32% | Product Guide |
| Buy to let | Tier three | £200k – £2m | 6.59% | Product Guide |
| Buy to let – no fee | Tier three | £200k – £2m | 6.81% | Product Guide |
Which product is right for my client?
Our tier one products are suitable for buy to let clients who meet the following criteria:
- Top-slicing
- Lending into retirement or past age 85
- Annexes (not let separately)
Our tier two products cater for a variety of scenarios including those in tier one plus the following:
- Regulated BTL
- Non owner-occupiers
- All loans £1m+
Our tier three products cater for a range of scenarios, including those in tier one and two. They are suitable for a variety of complex circumstances such as:
- Complex/foreign income
- Complex property (acreage, listed etc.)
- Multi-unit/multi-let properties
- HMOs (max 4 rooms)
- Refurbishment/development
- Joint borrower sole proprietor
- Foreign nationals
- Part commercial use
Here to help
We’re here to help if you have any questions and are happy to chat through individual cases. Contact your Specialist Business Development Manager or email brokers@mhbs.co.uk.
Don’t take our word for it
We’re delighted that almost all brokers who review us on feefo give us a five-star rating, the highest possible score.
Here are some the things they say about us:
