Buy to let

Residential

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Residentail product details
Minimum loan £50,000
Residentail product details
Maximum loan £1,500,000
Residentail product details
Purchases up to 95% LTV and remortgages up to 90% LTV accepted
Residentail product details
£75,000 minimum property value
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Fixed and percentage fee options
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No maximum loan amount
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Available for purchase and remortgage, including day one remortgages
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£75,000 minimum property value
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Fixed and percentage fee options
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Maximum loan £1,500,000
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Available for purchase and remortgage, including day one remortgages
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£75,000 minimum property value
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Option to add fees
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Flexible underwriting
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Available in England and Wales
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£125k min property value
Filters:
75% LTV close icon 80% LTV close icon 85% LTV close icon 90% LTV close icon 95% LTV close icon
Features LTV Product Type Rate Fee ERC Loan amounts Reversion rate Product code
75% 2 year fixed 6.19% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 6.99% 03201 KRES2411 Apply
75% 5 year fixed 6.24% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 6.99% 03202 KRES2411 Apply
80% 2 year fixed 6.24% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 6.99% 03203 KRES2411 Apply
80% 5 year fixed 6.29% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 6.99% 03204 KRES2411 Apply
85% 2 year fixed 6.59% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 6.99% 03205 KRES2411 Apply
85% 5 year fixed 6.39% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 6.99% 03206 KRES2411 Apply
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Filters:
75% LTV close icon 80% LTV close icon 85% LTV close icon 90% LTV close icon
Features LTV Product Type Rate Fee ERC Loan amounts Reversion rate Product code
75% 2 year fixed 6.49% £995

4%, 3%

£50,000 min loan
No max loan

 6.99% 03211 KNPA2411 Apply
75% 5 year fixed 6.34% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
No max loan

 6.99% 03212 KNPA2411 Apply
80% 2 year fixed 6.54% £995

4%, 3%

£50,000 min loan
No max loan

 6.99% 03213 KNPA2411 Apply
80% 5 year fixed 6.39% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
No max loan

 6.99% 03214 KNPA2411 Apply
85% 2 year fixed 6.79% £995

4%, 3%

£50,000 min loan
No max loan

 6.99% 03215 KNPA2411 Apply
85% 5 year fixed 6.49% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
No max loan

 6.99% 03216 KNPA2411 Apply
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Filters:
75% LTV close icon 80% LTV close icon 85% LTV close icon
LTV Product Type Rate Fee ERC Loan amounts Reversion rate Product code
75% 2 year fixed 6.69% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 6.99% 03219 KNPC2411 Apply
75% 5 year fixed 6.69% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 6.99% 03220 KNPC2411 Apply
80% 2 year fixed 6.74% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 6.99% 03221 KNPC2411 Apply
80% 5 year fixed 6.74% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 6.99% 03222 KNPC2411 Apply
85% 2 year fixed 7.14% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 6.99% 03223 KNPB2411 Apply
85% 5 year fixed 6.84% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 6.99% 03224 KNPB2411 Apply
Apply
Filters:
75% LTV close icon
Features LTV MSV Product Type Rate Fee ERC Loan amounts Product code
Limited Edition
 75% 90% 2 year fixed 6.09% £995

4%, 3%

£80,000 min loan
£1,000,000 max loan

 03458 KSHO2502 Apply
75% 90% 2 year fixed 6.74% £0

4%, 3%

£50,000 min loan
£1,000,000 max loan

 03225 KSHO2411 Apply
Limited Edition
 75% 95% 2 year fixed 6.14% £995

4%, 3%

£80,000 min loan
£1,000,000 max loan

 03459 KSHO2502 Apply
75% 95% 2 year fixed 6.79% £0

4%, 3%

£50,000 min loan
£1,000,000 max loan

 03226 KSHO2411 Apply
Limited Edition
 75% 100% 2 year fixed 6.19% £995

4%, 3%

£80,000 min loan
£1,000,000 max loan

 03460 KSHO2502 Apply
75% 100% 2 year fixed 6.84% £0

4%, 3%

£50,000 min loan
£1,000,000 max loan

 03227 KSHO2411 Apply
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Revert rate: BBR + 2.24%
Revert rate for Limited Editions (90% LTV): BBR + 2.44%
Revert rate for Limited Editions (95% LTV): BBR + 2.64%
Bank of England Base Rate (BBR): 4.50%
Application fee: £145

 

Acceptable credit criteria

County court judgments (CCJ) or registered defaults

0 in the last 36 months. Must be satisfied prior to mortgage application.

These are acceptable where one of the following applies:

  • • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application.
  • • The CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and were satisfied prior to mortgage application.

Revert rate: BBR + 2.24%
Revert rate for Limited Editions: BBR + 2.44%
Bank of England Base Rate (BBR): 4.50%
Application fee: £145

 

Acceptable credit criteria

County court judgments (CCJ) or registered defaults

0 in the last 24 months.

Must be satisfied prior to mortgage application or must meet one of the below criteria:

  • • Less than £300 in total and satisfied
  • • Satisfied more than 12 months ago
  • • Registered more than 24 months ago whether satisfied or not

Revert rate: BBR + 2.24%
Bank of England Base Rate (BBR): 4.50%
Application fee: £145

 

Acceptable credit criteria

County court judgments (CCJ)

85% LTV

0 in the last 12 months (1 in the last 24 months)

Must be satisfied prior to mortgage application or must meet one of the below criteria.

 

80% LTV

0 in the last 6 months (2 in the last 24 months)

Must be satisfied prior to mortgage application or must meet one of the below criteria.

 

Criteria:

  • • Less than £300 in total and satisfied
  • • Satisfied more than 12 months ago
  • • Registered more than 24 months ago whether satisfied or not

Client share: 10%-75% of the property value
Revert rate: BBR + 1.99%
Revert rate for Limited Editions: BBR + 2.24%
Bank of England Base Rate (BBR): 4.50%
Application fee: £145

 

Acceptable credit criteria

County court judgments (CCJ) or registered defaults

0 in the last 36 months. Must be satisfied prior to mortgage application.

These are acceptable where one of the following applies:

  • • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application.
  • • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration.
  • • The CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and were satisfied prior to mortgage application.
Providing flexible solutions for your clients

We can support a wide range of client types. Whether they’re a newly qualified doctor taking their first steps in the medical profession or a sole trading electrician with years of experience under their belt, our common-sense, manual underwriting provides the flexibility to consider every income type on its own merits, helping provide handcrafted solutions.

Multi-source income

We consider 100% of secondary income in many scenarios.

We accept multi-source income from employment, self-employment or a combination of both.

We accept earnings from professional landlords as a full time income source.

Properties bought for cash and renovated to increase their value can be considered for remortgaging within six months of ownership providing this can be fully evidenced.

We accept applications with a minimum of 1 years’ accounts.

We can work on a projection for year two based on an uplift of up to 30% of the first year’s figures.

For your high net worth clients we have options available with no maximum loan amount.

Complex income sources such as sportspersons, musicians and actors are understood and considered.

We can consider lending up to £1m at up to 100% market share value on our shared ownership products.

Terms and conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

See moreresidownarrow

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

Terms and conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

See moreresidownarrow

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

Terms and conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

See moreresidownarrow

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

Terms and conditions

All mortgage products are subject to availability of funds and can be withdrawn at any time.

ERCs may be incurred for full redemption or repayment of capital.

LTV quoted above relates to the share purchased LTV not full value.

These products are only available on a repayment basis.

See moreresidownarrow

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

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