Selection of buy to let (BTL) products

Plenty of clients with complex or niche property finance requirements approach us due to our extensive global network; we work with over 300 lenders worldwide, many of them specialising in buy to let (BTL) products.

With this in mind, we’ve put together some of our favourite, whether you’re looking for a small lender fee, security or a private bank relationship.

For more information, you can check out our case studies or buy to let guide here.

 

Optimal Rental Stress Test Product

  • 3.1%
  • 2.5 year fixed
  • 3% lender arrangement fee
  • Up to £1.5m
Benefit:

This product is very good for stretching the most out of a small yield as the rental stress test is 3.1 at 145% .

 

Small Lender Arrangement Fee Product

  • 3.28%
  • 5 year fixed with flat £3950 fee
  • Up to £1m
Benefit:

Excellent product due to the small lender arrangement fee and ability to get a large loan (albeit under £1m) on a smaller yield. The rental stress test is 3.28 at 140%.

 

Good Personal Income Product

  • 2.79%
  • 2 year fixed
  • Flat lender arrangement fee £1999
  • Assessed on all round affordability
Benefit:

This is a fantastic product due to the rate and cheap lender fee. It is mainly suitable for people with good personal income.

 

Best Private Bank Product

  • 2.54%
  • 2 year fixed
  • 1% lender arrangement fee
  • Assessed on all round affordability
Benefit:

This is probably the best Private Bank offering with a recent price reduction in January. Up to 70% LTV with no specific max loan.

 

Most Secure Product

  • 3.24%
  • 10 year fixed
  • Flat lender fee of £1999
  • Up to £1.5m
  • Useful product as only has 5 years ERC’s
Benefit:

The client can benefit from knowing they have a price fixed for 10 years but the flexibility to change things as and when they need to.

 

If you’re looking to secure property finance for a buy to let (BTL), contact us today on +44 (0)203 758 9393 or email info@enness.co.uk.

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