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Lender Products Product Guide Key Criteria
BTL  VIEW  Max LTV: 75%
Loan size: £50K – £1 million
Min property value: £100K
Max properties in portfolio: 15 properties (max. 10 with mortgages)
Min income: £25K
Min and max age: 25 – 75
BTL  VIEW  Max LTV: 80%
Loan size: £25001 – £1 million
Min property value: £75K
Max properties in portfolio: 5 BTL and 1 Residential or Max total exposure £2 million.
Min income: None unless First Time Landlord then its £25K
Min and max age: 21-85 (min age 25 for FTL)
  Commercial  VIEW  Commercial finance refer to Connect for bespoke terms
Bridging  VIEW   Bespoke Bridging Lending
BTL Not Available  Max LTV: 60%
Loan size: Refer
Min property value: Refer
Max properties in portfolio: Refer
Min income: £50K
Min and max age: Refer
BTL Not Available  Max LTV: 75%
Loan size: £25K -3 Mil
Min property value: Refer
Max properties in portfolio: Refer
Min income: None
Min and max age: Refer
Lender USP: Repayment Only on all products
  BTL  VIEW  Max LTV: 75%
Loan size: £75K – £1 million
Min property value: £100K
Max properties in portfolio: No Limit
Min income: None
Min and max age: 21 – 80
BTL  VIEW  Max LTV: 75%
Loan size: £50K- £5 million
Min property value: £100K
Max properties in portfolio: 10
Min income: £18K
Min and max age: 21 – 65
Lender USP: Will also lend to expats and foreign nationals.
Commercial Not Available Commercial finance refer to Connect for bespoke terms
BTL  VIEW  Max LTV: 75%
Loan size: £50K – £1 million
Min property value: £67K
Max properties in portfolio: No limit
Min income: £25K
Min and max age: 21 – 75.
BTL  VIEW  Max LTV: 75%
Loan size: £25001 – £1 million
Min property value: £40K
Max properties in portfolio: No limit
Min income: No restriction
Min and max age: 25-75
Lender USP: Fast lender with offers typically issued within a week.
Residential VIEW Max LTV: 75%
Loan size: £75K – £250K 
Min property value: £100k
Lender USP: Good for recent defaults and Debt Management Plans plus will take into account different sources of income.
  Bridging VIEW Bridging Finance.
   BTL  VIEW  Max LTV: 60%
Loan size: £40K – £500K
Min property value: Refer
Max properties in portfolio: Refer
Min income: £25K
Min and max age: No max age limit
Lender USP: Offer a specific mortgage tailored to people in retirement.
BTL Not Available Max LTV: 70%
Loan size: £50K – £5 million
Min property value: £71.5K
Max properties in portfolio: No Limit
Min income: None
Min and max age: 18 – No Max
BTL  VIEW  Max LTV: 75%
Loan size: £5K – £750K
Min property value: None
Max properties in portfolio: No limit
Min income: £25K
Min and max age: 21 – 85
BTL  VIEW  Max LTV: 80%
Loan Size: £10K – £400K
Min Property Value: £50K
Max Properties: unlimited by number but max value of £1M with Castle Trust.
BTL  VIEW  Max LTV: 75%
Loan size: £80K – £1 million
Min property value: No Minimum
Max properties in portfolio: 8
Min income: £30K
Min and max age: 18 – 75
Lender USP: Offset BTL available.
BTL  VIEW  Max LTV: 75%
Loan size: £25001 – £1 million
Min property value: Refer
Max properties in portfolio: 10
Min income: £25K
Min and max age: 18-85
 BTL  VIEW  Max LTV: 70%
Loan size: £50K – £25 million
Min property value: £200K
Max properties in portfolio: No Limit
Min income: None
Min and max age: No Limit
Lender USP: Will lend to Foreign Nationals – UK Expats & offshore companies.
 Development  VIEW  Development finance refer to Connect for bespoke terms
BTL  VIEW  Max LTV: 70%
Loan size: Max – £250K
Min property value: £75K
Max properties in portfolio: 5
Min income: £30K
Min age: 25
BTL Not Available Max LTV: 60%
Loan size: No Limit – No Max
Min property value: £400K
Max properties in portfolio: No max
Min income: £100K
Min and max age: 18 – 75
BTL  VIEW  Max LTV: 60%
Loan size: £45K – £500K
Min property value: £125K
Max properties in portfolio: Refer
Min income: Refer
Min and max age: Refer
Residential  VIEW  Max LTV: 80%
Loan size: £45K – £500K
Min property value: £120K
Min income: Refer
Min and max age: 18 – no age limit
BTL  VIEW  Max LTV: 80%
Loan size: £25001 – £1 million
Min property value: £75K
Max properties in portfolio: No Limit
Min income: £25K
Min and max age: 25-85
BTL  VIEW  Max LTV: 75%
Loan size: £50K – £500K
Min property value: £75K
Max properties in portfolio: No Limit
Min income: No restriction
Min and max age: 25 – 85
Bridging  VIEW  Max LTV: 75%
Loan size: £100K – £5 million
Min property value: Refer 
Max properties in portfolio: No Limit
Min income: No restriction
Min and max age: Refer
Lender USP – All products including 0.65pcm allow for light – medium refurb
Bridging  VIEW  Max LTV: 70%
Loan size: from £100k
Min property value: Refer 
Max properties in portfolio: No Limit
Min income: No restriction
BTL & Commercial  VIEW  Max LTV: 75%
Loan size: £100k – £5 million
Min property value: Refer 
Max properties in portfolio: No Limit
Min income: No restriction
BTL  VIEW  Max LTV: 70%
Loan size: £0 – £1 million
Min property value: £100K
Max properties in portfolio: No Limit
Min income: £30K
Min and max age: 21 – 85.
BTL  VIEW  Max LTV: 75%
Loan size: £50K – £300K
Min property value: No Limit
Max properties in portfolio: 4 (10 with other lenders)
Min income: £25K
Min and max age: 23 – 70
BTL  VIEW  Competitive landlord building and contents insurance
Commercial Not Available Commercial finance refer to Connect for bespoke terms
BTL Not Available  Max LTV: 70%
Loan size: £500K – £5 million
Min property value: Refer
Max properties in portfolio: Refer
Min income: Refer
Min and max age: Refer
Commercial  VIEW  Commercial finance refer to Connect for bespoke terms
BTL  VIEW Max LTV: 80%
Loan size: £25001 – £1.5 million
Min property value: £75K
Max properties in portfolio: No limit
Min income: None
Min and max age: 25 – 80
Lender USP: Will lend to first time landlords and on new build flats and no minimum income for experienced landlords.
Residential  VIEW 

Second Homes Range
Max LTV: 90%
Loan size: £25001 – £1.5 million
Min property value: £75K
Max properties in portfolio: No limit
Min income: None
Min and max age: 21 – 75
BTL  VIEW  Max LTV: 85%
Loan size: £25001 – £7.5 million (over £3 million need to be referred)
Min property value: £100K
Max properties in portfolio: No limit
Min income: £25K
Min and max age: 25 – 85
Lender USP: HMO and limited companies considered.
BTL  VIEW  Max LTV: 80%
Loan size: £50K – £750K (up to £1m might be considered as an exception)
Min property value: £75K
Max properties in portfolio: No limit
Min income: No restriction
Min and max age: 25 – 85
Lender USP: Will lend on muli-lets and HMOs.
BTL  VIEW  Max LTV: 80%
Loan size: £50K – £500K
Min property value: £75K
Max properties in portfolio: No limit
Min income: £25K 
Min and max age: 21 – 80 
Lender USP: Will lend on HMOs MUFB and to Expats.
BTL  VIEW  Max LTV: 70%
Loan size: £30K – £500K
Min property value: £50K
Max properties in portfolio: 5
Min income: £20K
Min and max age: 21 – 80
BTL VIEW  Max LTV: 75%
Loan size: £75K – £500K
Min property value: £100K
Max properties in portfolio: 20
Min income: £20K
Min and max age: No Max
Bridging  VIEW  Bridging Finance
Commercial Not Available Commercial finance refer to Connect for bespoke terms
BTL  VIEW  Max LTV: 80%
Loan size: £30K – £350K
Min property value: £125K
Max properties in portfolio: No limit
Min income: £25K
Min and max age: 25 – 75
Bridging  VIEW Bridging finance – refer to product guide for more information.
BTL  VIEW  Max LTV: 75%
Loan size: £25K- £250K
Min property value: £90K (£300K in London)
Max properties in portfolio: 4
Min income: £25K
Min and max age: 25 – 75
 BTL  VIEW WILL ONLY FINANCE PROPERTIES IN CERTAIN POST CODES WITHIN THE SOUTH EAST OF ENGLAND – CALL TO CONFIRM.
Max LTV: 75%
Loan size: £30K – £3 million
Min property value: None
Max properties in portfolio: 15
Min income: No restriction
Min and max age: 18 – 80
Lender USP: Competitive large loan rates and individual case underwriting.
Bridging  VIEW  Max LTV: 80%
Loan size: £30K – £2 million
Min property value: £65K
Max properties in portfolio: No Limit
Min income: None
Min and max age: 21 – 75.
BTL  VIEW  Max LTV: 75%
Loan size: £30K – £250K
Min property value: None
Max properties in portfolio: No Limit
Min income: £25K
Min and max age: 18 – No Limit.
BTL  VIEW  Max LTV: 80%
Loan size: £30K – £1 million
Min property value: £75K
Max properties in portfolio: No limit
Min income: £25K
Min and max age: 21 – 80
Lender USP: Allow remortgage within 6 months.
Bridging  VIEW Bridging Finance
BTL  VIEW  Max LTV: 75%
Loan size: £25K – £2 million
Min property value: £50K
Max properties in portfolio: 4
Min income: £25K (max loan restricted to x 4.99 of income)
Min and max age: 18 – 70
Lender USP: Will lend to first time buyers first time landlords.
BTL  VIEW  Max LTV: 75%
Loan size: £50K – £250K
Min property value: Refer
Max properties in portfolio: 5
Min income: Refer
Min and max age: Refer
Lender USP: Will lend to UK Expats.
BTL  VIEW  Max LTV: 80%
Loan size: £25K – £1 million
Min property value: £75K 
Max properties in portfolio: 5
Min income: £25K
Min and max age: 25 – 75
Lender USP: Reduced rental income cover available for properties in London and South East
Commercial Not Available Commercial Finance
BTL  VIEW  Products for limited companies buying a BTL property
Development  VIEW  Development finance refer to Connect for bespoke terms
BTL  VIEW  Max LTV: 75%
Loan size: £30K – £2 million Min property value: £75K
Max properties in portfolio: No limit
Min income: £25K
Min and max age: 21 – 80
Lender USP: Will consider HMOs and limited companies.
BTL  VIEW Max LTV: 80%
Loan size: £25001 – £1 million
Min property value: £70K
Max properties in portfolio: TBC
Min income: £18K
Min and max age: 21 – 85
Lender USP: Competitive non confirming products.
Residential  VIEW Max LTV: 85%
Loan size: £25001 – £1 million
Min property value: £150K
Max properties in portfolio: Refer
Min income: £18K
Min and max age: 25 – 75
BTL  VIEW Max LTV: 75%
Loan size: £25001 – £500K
Min property value: £75K
Max properties in portfolio: 10
Min income: £25K
Min and max age: 25 – 75
BTL  VIEW Max LTV: 80%
Loan size: £25001 – £2 million
Min property value: £75K
Max properties in portfolio: No limit
Min income: No restriction
Min and max age: 25 – 85
Lender USP: Competitive interest rates with no income requirements and some adverse credit allowed.
BTL LTD Company Exclusive  VIEW Max LTV: 75%
Rate – 3.89% Fixed
Loan size: £25001 – £2 million
Min property value: £75K
Max properties in portfolio: No limit
Min income: No restriction
Min and max age: 25 – 85
USP: 125% Rental Calculation at 4% reversion rate
Residential  VIEW Max LTV: 85%
Loan size: £25001 – £1 million
Min property value: £75K
Max properties in portfolio: None
Min income: £15K
Min and max age: 21 – 75
Second Charge  VIEW Max LTV: 65%
Loan size: £5K – £150K
Min property value: Refer
Max properties in portfolio: No Limit
Min income: No restriction
Min and max age: 25 – 80
Bridging  VIEW Max LTV: 75%
Loan size: From £50K
Min property value: £50K (£100K London)
Max properties in portfolio: Not specified
Min income: No restriction
Min and max age: 25 – 70
Second Charge  VIEW Max LTV: 85%
Loan size from £10000 
Min property value: £Refer 
Max properties in portfolio: No limit
Min income: No restriction
Min and max age: 21 – 85
BTL  VIEW Max LTV: 75%
Loan size: £25001 – £500K
Min property value: £75K
Max properties in portfolio: 5
Min income: £20K
Min and max age: From 21
BTL  VIEW Max LTV: 80%
Loan size: £30K – £2 million
Min property value: £100K
Max properties in portfolio: No limit
Min income: £25K
Min and max age: 25 – 75
Lender USP: Refurbishment product available.
 BTL  VIEW  Max LTV: 75%
Loan size: £25001 – £750K
Min property value: £75K
Max properties in portfolio: 7 buy to lets
Min income: £25K
Min and max age: 21-70
Commercial Not Available Commercial finance refer to Connect for bespoke terms
Commercial Not Available Commercial finance refer to Connect for bespoke terms
 BTL VIEW Max LTV: 75%
Loan size: £50K to £10 million
Min property value: £50K
Max properties in portfolio: No limit
Min income: No restriction
Min and max age: 21 – 80
Lender USP: Will finance HMOs – refurbishment projects and semi commercial properties.
 Commercial VIEW Max LTV: 75%
Loan size: £75K to £10 million
Min property value: £50K
Max properties in portfolio: No limit
Min income: No restriction
Min and max age: From 21
Lender USP: Will finance HMOs – refurbishment projects and semi commercial properties.
Second Charge Not Available Second Charge Loans refer to Connect for bespoke terms
BTL  VIEW Max LTV: 75%
Loan size: £25K – £750K
Min property value: £50K
Max properties in portfolio: 10
Min income: £20K
Min and max age: 18 – 75
Building and Contents Insurance  Not Available Competitive landlord building and contents insurance sourcing service
Residential  VIEW Max LTV: 85%
Loan size: 25001 – £1 million
Min property value: £70K
Min income: 15K 
Min and max age: 21 – 80
BTL  VIEW Max LTV: 80%
Loan size: 25001 – £1.5 million
Min property value: £50K
Max properties in portfolio: No limit
Min income: No restriction
Min and max age: 21 – No max (but must be under 70 at time of application)
BTL  VIEW Max LTV: 75%
Loan size: £3K – Refer
Min property value: Refer
Min income: Refer
Min and max age: 18 – 85
Commercial  VIEW Commercial finance refer to Connect for bespoke terms
Bridging Not Available Bridging Finance – Refer to Connect for bespoke terms
Residential  VIEW Max LTV: 85%
Loan size: from £25k
Min property value: £75K
Min income: 15K
Min and max age: 18 – 85 
USPs Contractors and Self employed
BTL VIEW Max LTV: 80%
Loan size: From £25K
Min property value: £75K
Max properties in portfolio: 15
Min income: None
Min and max age: 21- 85
USPs HMOs Expats Limited Companies
BTL  VIEW Max LTV: 75%
Loan size: £0 – £1 million
Min property value: £50K
Max properties in portfolio: No limit
Min income: £25K
Min and max age: 21 – 75