Secured Property Finance for Property Professionals
Specialist knowledge and expertise are an integral part of the service from The Mortgage Café. We access all lenders from the residential investment market, and the commercial market. Other lenders we have access to specialise in lending to professional landlords and portfolio borrowers only. Facilities are available up to 85% LTV.
We have over 27 years experience in Buy-to-Let. We use all major highstreet lenders in the market today and have over 900 mortgage products available. Lending facilities up to 85% LTV is possible. Mortgages are available for virtually every scenario whether first-time buyers or professional and experienced landlords.
Get very competitive fixed fee conveyancing service for remortgages £375.00 (No win no fee). We use a panel of dedicated and experienced solicitors who operate a revolutionary online case management system to ensure a fast and efficient fixed fee legal service. Our system offers highly competitive quotes on low fixed cost fees.
The Mortgage Café Limited is a totally independent mortgage broker for landlords, property investors and business owners. With access to all lenders in the market, our extensive knowledge in mortgages and short-term finance, built up over 27 years, helps us to find you the correct funding solution. Contact us today to discuss your requirements.
Also known as bridging loans and short-term property finance. These loans are fast to arrange and are designed to put the right money in the right place at the right time. Typical uses are auction purchase, capital raising and purchase of run-down property. Very low interest rates and access to all major lenders. Loans for property throughout the UK.
If you are an experienced property developer with your capital tied up in existing projects, you could have access to a JV lender putting all the funds in to purchase another lucrative site and provide funds for the build costs too. You simply provide the labour and construction expertise and take a share of the profits.
Buy to Let Rates from 1.44% pa.
HMO Rates from just 1.60% pa. HMO-MUFB Rate at 2.99% PA. Bridging Rates from 0.45% PM
Multi-Unit Freehold Blocks
Multi-unit freehold property. Rates from 2.99% pa.
As a specialist buy to let mortgage broker, we can assist clients in the purchase or remortgage of multi-unit property.
Property can be purpose built development or conversions of a single freehold into mixed multiple rental units such as flats, studios or bedsits.
Buying as Limited Company
Limited company SPV BTL Lending 2.99% pa 10 Year Fixed Rate 4.49%pa for Ltd Co. 5 Year Stepped Rate 3.00%pa for Ltd Co. 3 Year Fixed Rate 3.39%pa for Ltd Co. 2 Year Fixed Rate 3.19%pa for Ltd Co. Portfolio facilities available for remortgage into LLPs. Call for details.
Lending into Retirement
Many lenders have maximum age restrictions for applicants mortgaging a buy to let property.
We have lenders offering 40 year mortgage terms, maximum age 115 Years or lenders with no maximum age at end of term. Rates starting from 1.59% pa.
First Time Buyer BTL
Buy to let mortgages for applicants who are wanting to invest in property who themselves are not yet a homeowner.
First-time buyer & first-time landlord mortgage rates as low as 1.88%pa
LLP Partnership Mortgage
Mortgages for Limited Liability Partnership (LLPs)
LLPs are becoming popular for property portfolio owners to utilise as a vehicle for holding property offering certain tax advantages and flexibility for several people to have an interest in the portfolio.
We offer a portfolio remortgage service for transferring property into LLPs , with 5 major lenders to choose from depending on specific needs.
Mortgages for Offshore Limited Company
Mortgages for Offshore Limited Company SPVs
Facilities available for companies in mainstream jurisdictions such as
Isle of Man, Jersey, Guernsey, British Virgin Islands or Gibraltar
High LTV Buy to Let Mortgages
We are able to offer a range of high loan-to-value buy to let mortgage products at up to 85% LTV.
Available for existing landlords to purchase property with just a 15% deposit, or for existing landlords wanting to remortgage up to 85% of property value in order to release additional funds.
A Complete Range of Mortgage Services for the Property Professional
Call us today to discuss your mortgage requirements
We have lenders who can lend to existing trading companies, or newly formed companies, SPV companies and property investment companies. Whether you are looking to mortgage residential Buy-to-Let property, an HMO or a commercial property, we will find the right lender for you.
Generally speaking the traditional high street lenders cannot accommodate a poor track record of credit history. However, a new generation of specialist lenders is now on hand to assist.
We can arrange Buy-to-Let, HMO and commercial mortgages on an interest only basis. This not only produces the lowest monthly payment, but it often assists a lender with their affordability calculation for maximum lending.
If you are a UK citizen working abroad and you want to buy an investment property in the UK, then we can help. We have lenders available to assist the purchase, or remortgage, of Buy-to-Let, HMO and commercial property. Contact us today, or complete one of our short enquiry forms for a fast response.
There are instances where applicants’ circumstances just don’t fit a high street lender’s criteria and others who may have very specific requirements, which are not straightforward. Equally, some properties are not standard, so traditional lenders often struggle to agree terms.
It need not be a problem if you have only been self employed for a short period of time. Some of our lenders now have no minimum period in employment or self employment. This is true for HMO, Buy-to-Let and commercial mortgages. Some lenders do not require proof of income. Call us today to discuss your requirements.
Please use this form for short-term refurbishment finance, whether for light, medium or heavy refurbishment.
Development funding for the construction of new builds or medium and large scale conversion projects.
Enquire about mortgages for HMO multiple occupation accommodation and Buy to let single/family occupation.
Independent Mortgage Intermediary with Access to Over 48 Lenders
Bank of China
Bath Building Society
Cambridge & Counties
Dudley Building Society
Family Building Society
Fleet Foundation Homeloans
Godiva Hampshire Trust Bank
Hinckley & Rugby
Leeds Building Society
Market Harborough B.S
Norwich & Peterborough
Newcastle Building Society
Principality Building Society
Saffron Building Society
Skipton Building Society
State Bank of India
The Mortgage Works