Specialist buy to let finance
- Fixed rate from 8.75% p.a.
- Terms up to 24 + 12 months
- Up to 75% LTV
- No exit fees or ERCs after 18 months
Specialist buy to let finance
Key features of our specialist buy to let finance
Up to 75% LTV: Borrow up to 75% of the Open Market Value (OMV).
Fixed rates: Competitive fixed rate – 8.75% per annum.
No exit fees: Keep more of your return – no exit fees on any loan.
No ERCs after 18 months: Only 2% ERC in year 1, 1% between months 12–18.
12-month extension option: Extend the loan term without a fee (subject to performance).
Our BTL finance supports individual landlords, portfolio landlords, companies, LLPs (trusts may be considered). Suitable for single lets, HMOs, MUFBs, and mixed-use with strong rental demand. Designed for landlords who don’t fit mainstream lending.
First charge variable rate:
| % Of Open Market Value | Fixed Rate |
|---|---|
|
75% LTV |
8.75% pa |
Fees:
| Facility fee | 3.00% |
| Exit fee | 0.00% |
| ERCs | 2% ERC year one, 1% month 12–18 and 0% thereafter |
| Admin fee | £995 |
| Lenders Insurance | £559 |
| CHAPS fee | £35 |
| Proc fee | 1.00% |
Who you'll work with
Throughout your project you’ll be supported by our expert team
New business Team
Underwriting Team
Servicing Team
Head Office Team
‘Your service and support have been first class’ ‘I appreciate your credit-based approach’ ‘The options are workable and pragmatic. Thanks!’ ‘Quickest and most engaged lender I approached’
Your customer journey
Share your idea
Brokers and potential borrowers contact our New Business Team to discuss their property project and funding requirements. They can either call, email or complete a website Quick Loan Enquiry form. Our BDMs respond in person within 4 working hours!
Head of Terms
Our BDMs structure competitive heads of terms for the broker and borrower. Once agreed, it's time to begin the application process and submit the application pack.
Application time
Your BDM will introduce you to your dedicated Catalyst Underwriter, who reviews your application and liaises with the appointed solicitors, to ensure valuations are completed and funding is agreed quickly.
Loan completion: Funding provided
Following the underwriting process and valuation review, your Underwriter will work with you to ensure funding is provided as quickly and efficiently as possible. Ready for you to begin your property project.
Buy to let finance FAQs
Whether you’re a first-time landlord or managing a large portfolio, we’ve answered some of the most common questions to help you understand how our Latitude product works — and why it’s different from mainstream BTL lending.
What is specialist buy to let finance?
Specialist buy to let finance is designed for landlords who don’t meet the criteria of traditional lenders. This could include limited company structures, offshore ownership, complex portfolios, or non-standard income profiles.
How much can I borrow?
We offer loans from £100,000 to £7.5 million, depending on the property, your portfolio, and your overall financial profile.
What’s the maximum loan-to-value (LTV)?
You can borrow up to 75% of the Open Market Value (OMV) of the property.
What’s the interest rate?
Either check the buy to let product page or call our BDMs for the latest competitive rates. There are no exit fees, and early
repayment charges only apply within the first 18 months of the term.
Are there any early repayment charges (ERCs)?
Yes, but only during the initial period: 2% in year 1 and 1% from months 12 to 18. After that, no ERCs apply, giving you greater flexibility to refinance or exit early.
Who is eligible for this product?
We consider UK individuals, limited companies, LLPs, offshore companies, and trusts. Borrowers must be between 21 and 80 years old at the end of term.
What types of properties are eligible?
We lend on residential properties, HMOs, MUFBs (up to 10 units), and mixed-use buildings, as long as there’s strong rental or resale demand and valid ASTs in place.
What are the income requirements?
We require 100% Interest Cover Ratio (ICR), offering greater flexibility for landlords with complex or non-standard income.
Can I use this loan to raise capital?
Yes. You can use this finance product for purchase, refinance, or to raise capital against existing property.
Is there an option to extend the loan term?
Yes, subject to underwriting, we can offer a 12-month extension beyond the 24-month term, without any additional fee, as long as the loan has performed well.
Here are a few of our case studies
See how our bridging finance solutions have helped clients move quickly, unlock opportunities, and complete deals with confidence. From auction purchases to development exits, these case studies show what’s possible with the right short-term funding behind you.
Specialist buy to let finance
Latitude 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.
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.
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