Catalyst Property Finance / Buy To Let Mortgages

Latitude Buy To Let

Latitude /’lat’tju’d/ Adjective: Freedom from narrow restrictions

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.


How we lend differently

Underwriting overview
  • 100% ICR at payrate plus top slicing
  • No ERCs/No Exit fees
  • Light refurb accepted
  • Blended or serviced interest
  • Loans from £150,000 to £3,000,000
  • Terms from 3 to 24 months
  • All loans manually underwritten.
Borrower overview
  • First time Landlords/Landlords/Portfolio Landlords
  • Prime, near prime, adverse credit
  • UK individual/LTD Co/LLP/Offshore LTD Co
  • Borrowers from 21 to 80 at end of term.
Property overview
  • HMOs no limit on bedrooms
  • MUFBs up to 10 beds assessed on aggregate value
  • MUFBs over 10 bed assessed on block value
  • Residential and semi commercial property
  • Holiday lets/Airbnbs
  • Flats above/adjacent to commercial
  • Income producing
  • Acceptable AST required
  • Clean rental payment history
  • Vacant property 3 months interest retained
  • Maximum value per unit £1,000,000
  • Strong sales/rental demand required
  • All locations in England and Wales.

Plus many more options.
Put simply, all scenarios considered!

Call our New Business Team on 01202 112 900 to discuss your buy to let enquiry

Have a question about Latitude Buy To Let?

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Latitude Buy to Let

Up to 65% LTV Up to 70% LTV Up to 75% LTV
from 3 to 24 months
9.50% pa
(0.79% pm)
10.00% pa
(0.83% pm)
10.25% pa
(0.85% pm)


Latitude Buy to Let

from 3 to 24 months
Up to 65% LTV 9.50% pa
(0.79% pm)
Up to 70% LTV 10.00% pa
(0.83% pm)
Up to 75% LTV 10.25% pa
(0.85% pm)


Transparent fees:

  • ERCs/Exit fees: 0%
  • Facility fee: 3.0%
  • Administration fee: £955
  • Lender’s insurance fee: £559
  • CHAPS fee: £35
  • Proc fee: 1.00%.

Read Our Buy-To-Let Case Studies:

70% LTV Buy-to-Let Finance Solution for Oxford Property Portfolio

70% LTV Buy-to-Let Finance Solution for Oxford Property Portfolio