BUY TO LET - 5 YEAR FIXED

3.54%

3.79%
HMO & MUB Only

Loans up to £250,000 - £1,995 fee applies

Loans above £250,001 - 1.50% fee applies

Min Loan: £25,000

Max Loan: £1m

ERC: 3%/2%/2%/2%/1%

Revert Rate: 6.69%

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BUY TO LET - 5 YEAR FIXED FEE SAVER

3.64%

3.89%
HMO & MUB Only

Loans up to £250,000 - £1,995 fee applies

Loans above £250,001 - 1.50% fee applies

Min Loan: £25,000

Max Loan: £1m

ERC: 3%/2%/2%/2%/1%

Revert Rate: 6.69%

One free standard valuation up to £500,000

Reduced £49 Assessment Fee

£200 Contribution towards legal fees

Click here for more details on Fee Saver.

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BUY TO LET - 5 YEAR FIXED, £3,495 FEE FOR LARGER LOANS

3.59%

 

£3,495 Fixed Fee

Min Loan: £250,000

Max Loan: £500,000

ERC: 3% / 2% / 2% / 2% / 1%

Revert rate: 6.69%

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BUY TO LET CRITERIA HIGHLIGHTS

EXPATS INVESTING IN UK

For existing UK property owners living or working in over 180 countries No minimum income required

HOUSES OF MULTIPLE OCCUPANCY

Up to 8 bedrooms Just one year’s landlord experience required Min 130% rental cover

BTL FEE SAVER RANGE

1 FREE valuation on properties up to £500k £200 contribution towards legal fees.

RENTAL CALCULATION

125% rental income for basic rate tax payers and limited companies. Based on higher of pay rate + 2% or 5.5% (5 year fixed on pay rate)

OLDER AND RETIRED LANDLORDS

Interest only up to 85% LTV Age up to 95 at the end of the term (Ltd company) No minimum income required.

MULTI UNIT BLOCKS

Up to 5 units Just one year’s landlord experience required Min 130% rental cover.

TRADING COMPANY OR SPV

Available on any trading limited company with just 1 year’s accounts Floating charge not required on SPVs

PORTFOLIO LANDLORDS

Up to 20 Properties/£4m with Vida Homeloans Up to 100 BTL properties in total with average LTV up to 80% 1 year’s landlord experience required.

RENTAL TOP-UP

Will allow surplus income to top up rental income for single units From 115% for basic rate tax payers From 120% for higher rate tax payers

IMPAIRED CREDIT HISTORY

Small or life events allowed Up to 2 CCJs & 2 missed mortgage payments allowed up to 70% LTV

NEW BUILD

Flats & Houses to 85% LTV 6 month offer and up to 6 month extension available Now accept completion certificate instead of re-inspection

RESIDENTIAL - 2 YEAR FIXED FEE SAVER Remortgage only

3.24%

 

Up to 70% LTV

Min Loan: £25,000

Max Loan: £1m

ERC: 3% / 2%

Revert Rate: 5.34%

£0 Product Fee

One Free Standard valuation up to £500,000

Reduced £49 Assessment Fee

Free standard legal services

Click here for more details on Fee Saver.

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RESIDENTIAL CRITERIA HIGHLIGHTS

EXPATS INVESTING IN UK

For existing UK property owners living or working in over 180 countries No minimum income required

HOUSES OF MULTIPLE OCCUPANCY

Up to 8 bedrooms Just one year’s landlord experience required Min 130% rental cover

BTL FEE SAVER RANGE

1 FREE valuation on properties up to £500k £200 contribution towards legal fees.

RENTAL CALCULATION

125% rental income for basic rate tax payers and limited companies. Based on higher of pay rate + 2% or 5.5% (5 year fixed on pay rate)

OLDER AND RETIRED LANDLORDS

Interest only up to 85% LTV Age up to 95 at the end of the term (Ltd company) No minimum income required.

MULTI UNIT BLOCKS

Up to 5 units Just one year’s landlord experience required Min 130% rental cover.

TRADING COMPANY OR SPV

Available on any trading limited company with just 1 year’s accounts Floating charge not required on SPVs

PORTFOLIO LANDLORDS

Up to 20 Properties/£4m with Vida Homeloans Up to 100 BTL properties in total with average LTV up to 80% 1 year’s landlord experience required.

RENTAL TOP-UP

Will allow surplus income to top up rental income for single units From 115% for basic rate tax payers From 120% for higher rate tax payers

IMPAIRED CREDIT HISTORY

Small or life events allowed Up to 2 CCJs & 2 missed mortgage payments allowed up to 70% LTV

NEW BUILD

Flats & Houses to 85% LTV 6 month offer and up to 6 month extension available Now accept completion certificate instead of re-inspection

BUY TO LET FEE SAVER

  • For properties up to £500,000, one free standard valuation and refund of the reduced £49 assessment fee*
  • For properties over £500,000, refund of valuation and assessment fee (maximum £650)**
  • £200 non repayable contribution towards legal fees paid within 30 days of completion
  • Purchase or Remortgage

FEE SAVER PRODUCT FEATURES

*For properties up to £500,000, one free standard valuation and refund of the reduced £49 assessment fee paid at application within 30 days of completion into the mortgage direct debit account.

**For properties valued above £500,000, the standard valuation and assessment fee is payable upon application, but is refunded (up to a maximum of £650) within 30 days of completion into the mortgage direct debit account.

 

RESIDENTIAL FEE SAVER

£0 product Fee

For properties up to £500,000, one free standard valuation and refund of £49 assessment fee*

For properties over £500,000 refund of valuation and assessment fee (maximum £650)**

Free standard remortgage legal services includes Scotland***