Broker & Intermediary Briefing
The problems with BTL’s
Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.
- Whole-of-Market Access: Over 10,000 specialist lending products
- Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
- FCA-Authorised Guidance: 35+ years independent UK credit brokerage
Problems with BTL’s
If your clients personally own BTL properties, life is going to get more difficult due to imminent rule changes.
This will particularly affect those who own 4 or more BTL’s but we are already seeing lenders withdraw from the BTL sector so choice will be reduced for others too – mainly when they come to buying another property or raising extra capital against their existing portfolio.
Things to consider:
- Primary Factor: Should they apply for mortgages / loans now – before the new rules kick in or more lenders withdraw?
- Second Element: Should they transfer ownership to a limited company – that brings its own issues?
- Third Aspect: Should you warn them of what is around the corner so they can plan accordingly?
- Additional Point: Should they be getting up to speed on the tax implications too? This might help if you want to avoid giving tax advice.
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Intermediary Guidance for Btl Mortgage Problems
Structuring competitive terms on btl mortgage problems for your landlord clients requires direct access to specialist underwriters. In addition, our intermediary lending desk works directly with over 90 specialist lenders across the UK.
Consequently, partnering with Promise Money ensures whole-of-market broker access, transparent procuration fees, and rapid decisions in principle for your client cases.
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 Buy to Let Mortgages 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.
Key Takeaways: Btl Mortgage Problems Broker Briefing
Additionally, partnering with Promise Money gives intermediaries whole-of-market access across 90+ specialist BTL lenders with dedicated underwriting.
Furthermore, direct access to our specialist desk protects your client relationships while ensuring transparent and competitive procuration fees.
Consequently, complex borrowing requirements—such as adverse credit, multi-units, or portfolio landlords—are structured efficiently without delays.
Therefore, introducers can submit case details directly online or via phone to secure rapid Decisions in Principle.
Specifically, specialist buy to let facilities are assessed with commercial speed to meet critical property purchase deadlines.
Moreover, lending criteria checklists ensure your client applications are fully verified prior to formal lender submission.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.