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85% LTV 2 Year Discount Rate 4.99% – Single AST HMO with 8 Rooms

Licensed or Un-Licensed HMOs with 8 Rooms Ideal with New Landlords with only 12 Months Letting Experience

85% LTV 2 year tracker rate for single family dwelling residential investment licensed or unlicensed HMO ( up to 8 letting rooms) No minimum income requirements, but should have 6 months in current employment or 3 years trading for self employed. Applicants can be aged up to 85 years and the end of mortgage term. Flats over commercial are accepted. Ideal for new and lesser experienced landlord who do not have greater than 12 months letting experience.

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Pay Rate 4.99%
Rate Description 2 Year Discount (Variable)
Reverting Rate SVR
Expiry NA
Security Charge First charge basis
Maximum LTV 85%
Lenders Fee 2.5% (can be added to loan)
Minimum Loan Size £75,000
Maximum Loan Size £1,000,000
Maximum Mortgage Term 35 years
Income Requirements No minimum income requirements
Accepted Property Types Residential letting houses and flats in England and Wales.
Property Types Cont. Available to ex-council houses (exc. flats). No bedsits. Not for flats in freehold house.
Max HMO Rooms 8 Rooms
Max Number of Flats 4 flats within title maximum
Tenancy Types Single AST only. Professional / Working tenants
Rental Stress Test 130% at 5.35%
Product Reference HM21140

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85% LTV 2 Year Tracker 4.99%

For more details about this product or to check if this will be suitable for you, call us on 0117 2232 050