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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 Rate4.99%
Rate Description2 Year Discount (Variable)
Reverting RateSVR
Security ChargeFirst charge basis
Maximum LTV85%
Lenders Fee2.5% (can be added to loan)
Minimum Loan Size£75,000
Maximum Loan Size£1,000,000
Maximum Mortgage Term35 years
Income RequirementsNo minimum income requirements
Accepted Property TypesResidential 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 Rooms8 Rooms
Max Number of Flats4 flats within title maximum
Tenancy TypesSingle AST only. Professional / Working tenants
Rental Stress Test130% at 5.35%
Product ReferenceHM21140

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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