Specialist Lending
HMO Mortgages
An HMO (House in Multiple Occupation) is a property you can let to a group of tenants rather than a single person or household and can be a more lucrative buy-to-let investment as you can charge a higher combined rent.
Bridging / Development Finance
Bridging loans are short term loans sourced by both homeowners and by property developers. They provide access to funding on a speedy, and short term basis when it’s needed most. Property Developers use Development Finance to renovate uninhabitable properties where a standard mortgage is not available.
Limited Company Buy to Let
A buy-to-let mortgage for limited companies is a way to take out a mortgage on properties through a limited company. Taking out a mortgage and purchasing a buy-to-let property through a limited/LTD company or SPV (Special Purpose Vehicle) can be more tax-efficient than doing so in your personal name as a private landlord.
Commercial Finance
Commercial mortgages are typically used to acquire, finance, refinance, or to redevelop commercial property.
Ex Pats
An Expat Mortgage is a Mortgage product for a British citizen who is currently living outside the UK – usually working abroad. An expat can only get a UK Mortgage by taking out a specific Expat product.
Little Mortgage Business
