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Specialist Buy to Let

We have found through years of experience in this lending sector that different people and firms define 'specialist buy to let' in very different ways which makes it difficult for borrowers to find the right adviser.

At Balanced we will not overcomplicate your case, in fact we will take the time to understand your circumstances and needs and talk through your options with you and where possible, find a simple and cost-effective solution. 

 

We don't charge based on what some define as 'specialist' our fee charging structure is simply defined by the time & workload involved in different types of cases and our fees are clear and fixed from the outset so you know where you stand and there will be no nasty surprises down the line.

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Please see below and our case studies page to get an idea of our areas of expertise & experience

Limited Company

Limited company buy to let lending including Layered limited companies, trading (in other sector) Ltd companies, Ltd company owned in trust, intercompany loans and Ltd company holiday let mortgages.

HMO & MUFB

We have access to lenders with no maximum letting rooms and large Mult-unit blocks.  We are also able to source funding for hybrid HMO/MUB properties. Finally excellent deals on Student lets.

Multi-Property loans

We have access to lenders who will allow multiple properties on 1 loan allowing for lower value properties to be mortgaged

Holiday Lets

The staycation is becoming a big hit in the U.K and more and more landlords are looking to invest in this sector.  We can assist you with traditional holiday let mortgages and mortgages designed for those that use platforms like air B&B.  We can also access Ltd company holiday let mortgages.

Portfolio Landlord

Depending on how many properties you have let and mortgaged, you may be defined as a portfolio landlord.  We have access to lenders with no maximum background portfolio limits and preferential background ICR rates.

Bridging & Bridge to Let

Buying a property at auction or not immediately lettable?   We have access to bridging & bridge to let deals, talk to us to understand more.

Have a look at our case studies to get an idea of how we work.

Our broker fee is only payable on receipt of a formal mortgage offer from a lender, please visit our buy to let broker fee page here.

We are completely independent, so you can be safe in the knowledge that YOU are our priority.