Residential solutions
Our expertise is in finding solutions for out of the ordinary mortgage cases, whether a purchase or remortgage. We add the human touch necessary to ensure cases proceed from application to offer as quickly and smoothly as possible. To find out more, contact your Specialist Business Development Manager, or call us on 01858 412345.
Key features
Same-day ESIS for simple cases
Up to 75% LTV available
Loans up to £3.5m
Direct access to your dedicated underwriter
Interest only and repayment options available
Complex properties and income types considered
Help for your more unusual cases...
Do you have an unusual case that other high-street lenders won’t consider? Try us! We offer residential mortgage solutions for a whole range of scenarios, and work hard to find the right fit for your clients. Here are some examples of out-of-the-ordinary cases that we can lend on:
- Listed buildings
- Large acreage with no limit
- Properties with an annexe
- Multi-units
- Complex income
Remortgage solutions
We provide a range of products that cater for a variety of remortgage scenarios, including those below:
Like-for-like remortgages, including on an interest-only basis
Special product fee of £995 for remortgage cases up to £1.5m
Capital raising - many reasons considered
Remortgages to help exit bridging finance
Remortgages to obtain day-one consent to let for up to 24 weeks per annum
Capital raising
Here at MHBS, we understand that your clients want to use their money in a way that best suits their needs. That’s why we offer capital raising solutions for a range of different options that may not be available through other lenders.
Gifting family and friends
Investment in businesses or property development
Buy to let / holiday let investment
Inheritance tax planning
Do you have a question about a different scenario? Please get in touch to chat through your options on 01858 412345.
Products and rates
We have a wide range of residential products available for your clients. For loans between £750k to £3.5m, see our larger loan solutions.
| Product type | Complexity | Min/max loan size | Rates from | For more information |
|---|---|---|---|---|
| Residential | Tier one | £200k – £750k | 5.75% | Product Guide |
| Residential | Tier two | £200k – £750k | 5.99% | Product Guide |
| Residential | Tier three | £200k – £750k | 6.49% | Product Guide |
For more information, or to talk through your case, please get in touch with your Specialist Business Development Manager
Criteria
Our criteria and examples of the case types we consider are shown below.
| Simple | Complex | |
|---|---|---|
| Minimum age 18 |  | |
| Maximum age 85 at end of loan | | |
| Up to four applicants | | |
| First time buyers | | |
| Joint borrower, sole proprietor | | |
| Foreign nationals | | |
| Foreign currency | |
Our criteria and examples of the case types we consider are shown below.
| Simple | Complex | |
|---|---|---|
| Maximum mortgage term 40 years | | |
| Day one remortgages | | |
| Consent to let for purchase and remortgages | | |
| Capital raising for refurbishment | | |
| Capital raising for development | |
Our criteria and examples of the case types we consider are shown below.
| Simple | Complex | |
|---|---|---|
| Properties located in England and Wales | | |
| Properties with single self contained annexe | | |
| Various property types, including: listed buildings large acreage annexes multi-units more than one title to charge | | |
| Additional commercial activity on site | |
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:
