Truffle Specialist Finance

First and Second Charge BTL Mortgages

For new or existing landlords who may want to buy a property to let, add to their portfolio or re-mortgage but do not meet high street lenders’ criteria, we can help. Whether you have a poor credit history, live abroad or are looking to release equity through a second-charge mortgage, our experts are on hand.

First and Second Charge BTL Mortgages

Trusted by industry leading lenders

If your client is an existing or new landlord, who is either looking to buy a property, add to their portfolio or re-mortgage but they do not meet high street lenders’ criteria, we can help.

For Landlords With Extraordinary Circumstances

Our First Charge Specialist Buy to Let Mortgages are suitable for clients such as those who: have a poor credit history; do not meet the minimum income requirements; do not already own a property; or who live abroad.

Our Second Charge Specialist Buy to Let Mortgages are suitable for those who want to release equity from their property and are unable to raise finance from their current lender. Also useful if they have incurred early repayment charges on their First Charge Mortgage and/or are already on a rate that they don’t want to lose.

Proven Lender Panel

As specialists in our field, we have honed our assessment process and cultivated long standing relationships with a network of specialist lenders, who understand extraordinary client circumstances and who have a history of responding positively.

Tried & Tested Process

Our in-house matching procedures, coupled with our extensive experience, mean we can quickly identify an effective and satisfactory solution for your client for the best chance of success. What’s more, we can liaise directly with your client (which means the onus of responsibility from a compliance perspective sits with us), or we can consult with you while you deal directly with them.

Finance Checklist

  • First charge buy to let mortgages

  • First time buy to let landlords
  • Established buy to let landlords
  • Ex-pats and foreign nationals considered

  • First time purchases
  • Non regular construction
  • Poor credit history
  • Do not already own property
  • Un-occupied BTL’s considered
  • HMO’s, MUFB’s and holiday lets considered
  • Top slice on rental coverage if required

Key Features

LTV

Up to 95%

Rates From

5.34%

Term

Maximum Term 40 Years

Frequently Asked Questions

Yes, our lenders will consider all property types, even those above commercial premises.

Yes, our lenders generally work on 125%/145%/165% depending on tax bracket but without stressing the payments. This way they can usually lend more based on their rental calculations.

Most lenders will raise finance for all legal purposes.

Want To Know More?

Please complete the below form and one of our specialists will try to respond as soon as possible.


Or To Talk To Us, Call:

Phone: 08000 35 37 35

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