Buy To Let Mortgages

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Buy To Let Mortgages

What are Buy-to-Let Mortgages?

Buy to lets explained

A buy to let mortgage is a type of mortgage facility for property investors, developers and landlords. It differs from a normal residential mortgage, because it is taken out with the intention of renting the property to a tenant, rather than, owner occupation.

We can accept Buy to Let mortgage applications from individuals, limited companies, SPV’s and overseas entities

Buy-to-Let

Whether you are a first time landlord or a seasoned property professional, we at Development money can advise you on the best available mortgage products currently on the market.

  • Whole market access
  • 85% maximum LTV
  • 5-30 year terms
  • Borrow between £25,000 and £1m +
  • Same day in principle lending agreement
  • Rates from 1.49%. True Rates from 2.49%

Business Buy-to-Lets

Business Buy-to-Let Mortgages

Corporate/Company Buy to Lets are typically designed for the purchase of residential property through a limited company (trading) or a special purpose vehicle. With whole of market access and exclusivity with some lenders, Development money are able to secure corporate buy-to-let products for;

  • Investors
  • individuals
  • Developers
  • Property professionals
  • Company portfolios

HMO – Houses of Multiple Occupancy

The simplest definition of a HMO is that the property will be occupied by multiple individuals who are not a single household (i.e not a family or some other special relationship). The property must be all of the occupiers only or main residence, is only used as a residence and at least one of the occupiers must be paying rent.

Licensed and Unlicensed HMO’s

The significance of a HMO is that is that it may need to be licensed by the local authority but this is not the case for all HMO properties.  At Development Money we are able to secure mortgages for both licensed and unlicensed HMO properties and are able to provide you with advice on whether you should be looking to license the property.

Houses of Multiple Occupancy

Examples:

HMO mortgages are available for a wide variety of multiple occupancy property types. Here we have listed some of the more recent HMO’s we have secured competitive rates for.

  • Converted blocks of flats
  • Bedsits and shared houses
  • Privately operated halls of residence
  • Shared self-contained flats
  • Cluster Flats
  • Lodgings
  • Hostels
  • Refuges
  • Individual shared self-contained flats/cluster flats
  • Accommodation for workers/employees
  • Serviced Accommodation
  • Rates from 2.89%

With over 60 years experience between us , Development money are one of the market leading firms able to arrange mortgages for HMO properties with LTV’s of up to 85% without additional security, we also have access to HMO products which will lend 100% LTV using another property as additional security.

Speak to one our HMO mortgage specialist today and find out how we can help you with your mortgage application.

Commercial / Semi Commercial Mortgages

Commercial mortgages

Commercial mortgages can be arranged for a variety of different properties with borrowing applicable for purchase and re-mortgaging. We are able to accept applications from individuals, limited companies, SPV’s and offshore entities.

With access to all of the main stream lenders and the specialist lenders, Development money is well placed to work for you to source the best commercial mortgage for your individual circumstances.

  • Trading business or investment applications accepted
  • Same day agreement in principle
  • Whole of market access
  • Market leading rates
  • 100% LTV available with additional security
  • Interest only available
  • No maximum loan
  • Rates from 3.0%. True Rates from 4.15%

“In one of my most stressed/testing times, Karl has been an absolute star. Could not be more helpful, and I have to say stands out head and shoulders above the other 3 brokers I have been dealing with.”


C Wyatt

Just Bridge it
5
2019-05-30T13:09:32+00:00

C Wyatt

“In one of my most stressed/testing times, Karl has been an absolute star. Could not be more helpful, and I have to say stands out head and shoulders above the other 3 brokers I have been dealing with.”

"I'll be back"

Sampson Homes Ltd

Just Bridge it
5
2019-05-30T13:12:34+00:00

Sampson Homes Ltd

"I'll be back"

“When the possible seems impossible, one phone call to Esther Bennett and her amazing team is all you need to do! Well done to the brilliant Development Money team!”


SSK Developments

Just Bridge it
5
2019-04-24T20:15:42+00:00

SSK Developments

“When the possible seems impossible, one phone call to Esther Bennett and her amazing team is all you need to do! Well done to the brilliant Development Money team!”

“I just wanted to drop you a line and say it's been a pleasure working with Lesia Chomiak. There was a delay on the vendors side but I must say the transaction was very simple and not overly complicated like other lenders! She is a credit to your team”


D Chaddah

Just Bridge it
5
2019-05-30T13:14:07+00:00

D Chaddah

“I just wanted to drop you a line and say it's been a pleasure working with Lesia Chomiak. There was a delay on the vendors side but I must say the transaction was very simple and not overly complicated like other lenders! She is a credit to your team”

For the past 4 months I have been tirelessly working to refinance onto a Development finance package. Don't let anyone let you think it's easy! I have been more than lucky to have a great team of brokers, solicitors and friends and family behind me. So pleased today to hear it's all gone through as planned. Now the real work can begin. Thanks to Karl Mitchell, Esther Bennett at Development Money. (Testimonial taken from Development Money Bridging Finance, Development Finance and Commercial Finance Facebook page)


Barbara Cunningham

Just Bridge it
5
2019-06-03T11:39:16+00:00

Barbara Cunningham

For the past 4 months I have been tirelessly working to refinance onto a Development finance package. Don't let anyone let you think it's easy! I have been more than lucky to have a great team of brokers, solicitors and friends and family behind me. So pleased today to hear it's all gone through as planned. Now the real work can begin. Thanks to Karl Mitchell, Esther Bennett at Development Money. (Testimonial taken from Development Money Bridging Finance, Development Finance and Commercial Finance Facebook page)

Mark Ellis … excellent staff member who talked me through my options.  A credit to the Company.


Julie Carter

Just Bridge it
5
2019-06-03T11:37:58+00:00

Julie Carter

Mark Ellis … excellent staff member who talked me through my options.  A credit to the Company.

“Just a mention and a massive thank you to Esther Bennett and her team today for the very inspiring meeting we had today. I cannot speak highly enough of her attention towards her clients in working out the best ways forward to allow financing of property purchases using creative finance. Thank you Esther, looking forward to working with you for the long term. Anyone else looking at Bridging and Development finance..... don't look any further!”


G Kondel

Just Bridge it
5
2019-04-24T16:43:59+00:00

G Kondel

“Just a mention and a massive thank you to Esther Bennett and her team today for the very inspiring meeting we had today. I cannot speak highly enough of her attention towards her clients in working out the best ways forward to allow financing of property purchases using creative finance. Thank you Esther, looking forward to working with you for the long term. Anyone else looking at Bridging and Development finance..... don't look any further!”

Mark Ellis … Many thanks for your time on the phone yesterday and I appreciated your honesty.  I will definitely be in touch again when I have another project to fund.


Edward Morgan

Just Bridge it
5
2019-06-03T11:38:36+00:00

Edward Morgan

Mark Ellis … Many thanks for your time on the phone yesterday and I appreciated your honesty.  I will definitely be in touch again when I have another project to fund.

Had numerous dealings with Esther and her team.  They have helped with Commercial refinancing and Bridging loans for our developments. Great communication, great service and great people!


Steven Pardoe

Just Bridge it
5
2019-06-03T11:37:25+00:00

Steven Pardoe

Had numerous dealings with Esther and her team.  They have helped with Commercial refinancing and Bridging loans for our developments. Great communication, great service and great people!
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