The Mortgage Cafe

75% LTV Mortgages for Large HMOs / MUFB with a max. of 20 Letting Units Professional Landlords

Mortgages from 3.65% at 80% LTV for large HMOs & MUFBs up to 20x Rooms / Flats

Low fixed rates over 2 and 5 years for multi unit freehold blocks (MUFB) and HMOs with rooms to let, flats, studio apartments, bedsits etc. Up to 80% loan to value with maximum lending at £500,000 or a maximum of £1m at 70% LTV and £2m at 65%.

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2-Year Fixed Rate3.65%
5-Year Fixed Rate3.80%
Reverting RateSVR currently 5.60%
Expiry2 years or 5 years from completion
Security ChargeFirst charge basis
Maximum LTV80%
Lenders Fee

0.25% of loan amount for 2-year fixed rate

1% of loan amount for 5-year fixed rate

Minimum Property Value£100,000
Minimum Loan Size£30,000
Maximum Loan Size£500,000 at 75% or £1,000,000 to 70% or £2,000,000 to 65%
Maximum Mortgage Term25 years
Income RequirementsNo minimum time in employment but must be permanent and not in any probation period. £25k joint or single minimum income. Self employed must have a minimum of 2 years trade.
Accepted Property TypesResidential letting houses and flats in England, Scotland and Wales.
Property Types Cont.Available to ex-council houses and flats. Studio flats and bedsits accepted. Maximum of 20 units within the freehold.
Multi Unit BlocksUp to 20 individual self contained letting units ( Flats, Studios, Bedsits)
Tenancy TypesMultiple AST. DSS tenants accepted. Student tenants accepted. Corporate tenants accepted inc local authority and housing association contracts accepted
Rental Stress Test

145% at 5.65% (2-year fixed)

130% at 4.00% (5-year fixed)

Product ReferenceHM90121

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80% LTV with fixed rates from 3.65%

For more details about this product or to check if this will be suitable for you, call us on 0330 173 6570

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