Investment Property Finance

Buy-to-Let Mortgages

Finance taken out for a property or properties that are to be rented out.

We accept enquiries from individuals, limited companies, SPV’s and overseas entities whether professional landlords , developers or ”one-off” investors.

Buy-to-Let for Individuals

It doesn’t matter if you are a first-time landlord or an experienced property professional, Simple Commercial Finance* can advise and guide you on the best options for you available currently on the market.

  • Whole market access
  • 85{711e1a93fbe592a35c13f93ad38764465dc34858335c0147e05ec5c3dc101241} maximum LTV
  • 5-25 year terms
  • Borrow between £5,000 and £1m
  • No upfront fees
  • Quick turnaround

Business Buy-to-Lets

In a lot of cases an SPV company (Special Purpose Vehicle) will be used for the purposes of owning and acquiring investment property, or it may be that an existing trading company/ business is to be used.

Whichever it is, Simple Commercial Finance can advise and guide you on the best options for you available currently on the market.

  • Property professionals
  • Investors
  • Developers
  • Company portfolios

At Simple Commercial Finance, we aim to assist property owners through the process of raising finance whether for ongoing purchases or to have a more stable lending partner.

Loan to value is no longer the key driver in determining whether a request is successful as there are a complex array of “stress tests” applied by lenders.

Also at review the High Street Banks may feel that their loan “does not meet current criteria….” And as such an otherwise stable and performing loan and property portfolio is under pressure….sound familiar!?

A well-presented funding proposal by Simple Commercial Finance to the right lender  selected from the whole of the market (including some difficult to reach lenders) should bring results and at Simple Commercial Finance we are confident we can assist most investment property owners with their requirements.

Examples of some of the benefits from the schemes we can choose from are as follows:

  • Low interest rates
  • 85{711e1a93fbe592a35c13f93ad38764465dc34858335c0147e05ec5c3dc101241} typical maximum loan to value
  • Free valuation and legal fee incentives are often available
  • Interest only for the full or part of the term of the loan without a repayment vehicle
  • Available to Limited Companies, SPV companies, LLP, Partnerships and individuals.
  • All tenancy types considered
  • Houses in multiple occupation(HMO), blocks of flats or converted houses accepted
  • Most lease types acceptable
  • Fast further advances available to release further equity
  • Refurbishment funding available
  • Maximum Loan term typically 30 years

*Depending on circumstances we may work with our sister company Simple Home Loans Ltd

Facilities may be made available to purchase further residential investments over a 12 month period by refinancing & utilising equity in existing properties.

For a full list of our services, please see the services section of the website.