SPECIALIST BUY TO LET
Catalyst Property Finance / Buy To Let MortgagesLatitude Buy To Let
Latitude /’lat’tju’d/ Adjective: Freedom from narrow restrictions
‘Latitude’ short term buy to let finance for landlords and portfolio landlords.
Buy to let finance designed for landlords who do not qualify for more mainstream and specialist lending.
With Catalyst, you can expect flexibility on affordability, acceptable property, borrower type/credit profile, and complex enquiries.
Lending Criteria Overview
Borrower Details
| Types |
Landlords/Portfolio Landlords. Borrowers from 21 to 80 at end of term. UK individual, LTD Co/LLP, Offshore LTD Co. Trusts may be considered. |
| Address history | Borrower 3 year address history |
| Adverse credit |
Prime, near prime, some adverse credit. |
Loan Details
| Terms | 24 months +12-month extension without fee, subject to loan performance. |
| ERCs |
No ERCs, 1 to 3 months minimum interest. |
| ICR |
100% |
| Loan sizes | £100k to £7.5m. |
| Interest | Serviced, blended or retained. |
| Transactions | Purchase, refinance, capital raise. |
Property Requirements
| Property types |
MUFB at aggregate value up to 10 units, considered over 10 units. Residential/mixed use property. Income producing. Acceptable AST required. Strong sales/rental demand required. |
| Property location | England and Wales. |
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Latitude Buy to Let
| % of OMV | 75% LTV |
| Fixed rate | 8.75% pa |
Key Features of Specialist Buy-to-Let Finance
- High Loan-to-Value (LTV): Borrow up to 75% of the Open Market Value, allowing investors to maximise leverage on their property purchases.
- Competitive Fixed Rate: Interest rates start from 8.75% per annum, providing a market-aligned solution for financing.
- Extended Terms: Initial terms of 24 months with an option for a 12-month extension, allowing flexibility in managing property investments.
- No Early Repayment Charges (ERCs): Flexibility in repayment with a minimum interest period of just 1 to 3 months.
Suitable for Various Buy-to-Let Transactions
Our buy-to-let finance product supports a variety of property transactions, including:
- Purchases: Quickly secure funding for new buy-to-let acquisitions.
- Refinance: Restructure existing loans to optimise financial performance.
- Capital Raise: Unlock equity in existing properties to fund further investments.
Lending Criteria Overview
Our specialist buy-to-let product is accessible to landlords and portfolio investors, with terms and criteria designed to meet their unique needs:
- Loan Sizes: Ranging from £100,000 to £7.5 million, suitable for single units or portfolios.
- Property Types: We finance Multi-Unit Freehold Blocks (MUFB) up to 10 units, residential, mixed-use, and income-producing properties.
- Borrower Profile: Open to UK individuals, limited companies, and offshore structures, with a borrower age range from 21 to 80 at the end of the term.
Why Choose Our Specialist Buy-to-Let Finance?
Our buy-to-let finance product is tailored for landlords seeking flexible, short-term solutions with competitive rates and adaptable terms. Whether you’re growing your portfolio or refinancing existing assets, our ‘Latitude’ finance provides the support you need.
Put simply, all scenarios considered!
Call our New Business Team on 01202 112 900 to discuss your buy to let enquiry
Transparent fees:
- Exit fees: 0%
- ERCs: 2% ERC year one, 1% month 12-18 and 0% thereafter.
- Facility fee: 3.0%
- Administration fee: £995
- Lender’s insurance fee: £559
- CHAPS fee: £35
Read Our Buy-To-Let Case Studies:
