New secured loan accepts buy to let

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New secured loan accepts buy to let

If you want the best chance of placing a secured loan, it really has to be Promise.

We have a relationship with Masthaven through our involvement in bridging loans and we find the service to be excellent. If the secured loan team mirrors this we will have a great start.

Key information:

At first glance there are some key niches in the criteria as follows:

Self employed – will use bank statements but no restriction on income (LTI) multiplier
Contract workers – easier to prove acceptable income
Lower value properties and ex council houses at higher LTV’s than similar lenders
Interest only now available from £5K (previously £25K)
More flexibility on non standard constructions
They will lend on BTL’s – lower ERC’s and again better LTV’s on ex-council houses
All council pre-emption discount ignored

No doubt more will become apparent in due course.

There is one obvious down side at the moment; the product is only available in England and Wales.

www.promisemoney.co.uk

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Whole-of-Market Guidance for Buy To Let Secured Loans

Securing competitive terms on buy to let secured loans requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your buy to let secured loans 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 Specialist Lending 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.

Explore Secured Homeowner Loans →

Key Takeaways: Buy To Let Secured Loans 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.

In addition, loan proceeds can be used for home improvements, debt consolidation, tax bills, or major personal investments.

Crucially, borrowers facing adverse credit, defaults, or past CCJs can secure competitive homeowner loan terms through our panel.

In practice, our dedicated loan advisers manage the entire application from initial quote through to fund release.

Above all, borrowing against your home equity typically offers lower monthly repayments than short-term unsecured credit.

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