BTL loans post PRA

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BTL loans post PRA

We are having a bit of a push on Buy to Let loans as we are seeing increasing success from this sector.

If your landlord clients are aware of these products we think you will see more demand – certainly that’s the case for some brokers.

Since the PRA changes last year we have more BTL lenders, lower rates and more flexible criteria.

Before declining a BTL capital raising case please let me have a crack at a second charge.

Headlines include:

Projected rental income accepted
Non rental income included in affordability assessment
No stress test on first and second charge
Portfolios – standard affordability calculations – no in depth business plans required
Limited company and SPV’s accepted – now at lower rates
Low value or non-standard construction
High rise ex council / deck access – now lower rates
No consent required to a second charge – Many first charge BTL lenders withhold consent
Prime or heavy adverse catered for
Exclusive – Second charge bridging up to 80% LTV –some adverse accepted and can be used to take out an existing bridge.

Just give me a call to talk through any scenario or send me a DIP form.

www.promisemoney.co.uk

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Whole-of-Market Guidance for Btl Loans Post Pra

Securing competitive terms on btl loans post pra requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your btl loans post pra options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

Specialist Underwriting & Whole-of-Market Access

Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Secured Loans Desk to understand how different lending criteria apply to your requirements.

Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.

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Key Takeaways: Btl Loans Post Pra Checklist

Additionally, property valuations can often be expedited using automated models, significantly reducing upfront costs and surveyor delays.

Furthermore, specialist secured loan lenders assess affordability using total household income and realistic expenditure assessments.

Consequently, homeowners can secure substantial borrowing amounts even with historic credit blips or non-standard employment income.

Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK specialist lenders.

Specifically, flexible repayment options—including fixed, variable, and interest-only structures—can be tailored to your monthly budget.

Moreover, your existing low-rate primary mortgage remains 100% untouched, avoiding early repayment charges.

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