Whether your client needs a Standard, Expat, Limited Company or Offset Buy to Let mortgage, see how we can help.

• No minimum income
• No stress test on background properties held (just need to be self-financing)
• Max LTVs for BtL products now 70%
• We accept applications up to the age of 89
• Expat cases accepted from over 40 countries, plus further countries through agreed packagers
• We have a common sense approach to lending and use real human beings to underwrite each mortgage case.
  

Buy to Let Offset mortgage

Our BtL Offset mortgage can help to maximise returns for your landlord clients, allowing any savings to be offset against the mortgage.

Landlords can opt for either:

• Payment reduction – offsetting savings to lower monthly payments
• Balance reduction (only available for repayment mortgages) – monthly mortgage payments will remain the same, but offset savings go towards reducing the capital, reducing the mortgage balance faster.

Either way, a BtL Offset mortgage can help to increase your clients’ net profit and ultimately increase their overall cashflow they receive from letting.

Find out more

Why choose us?

• No ‘computer says no’ underwriting – We’ll listen to your clients' stories and our human underwriters will make a common-sense assessment based on the merits on each individual case
• No credit scoring – We offer tailored credit checks, taking a holistic view of your clients' finances, not just assessing a predefined set of criteria
• No ‘one size fits all’ - Unlike many mainstream lenders, we’ll offer mortgages to a wide range of clients – through products such as Joint Borrower Sole Proprietor (including reverse JBSP) and Buy to Let (including expat & Limited Company). We also offer mortgages to those who are self-employed, as well as those approaching or in retirement
• Other acceptable income – We accept income from pension pots (up to 90%), investment portfolios, stocks, and shares ISAs, other 'unearned' or passive income streams such as rental income, state pension and any other annuities can be added to the assumed income.

When was the last time you updated us with your proc fee route and bank details?

If you're not sure if your details are correct, or need to update your existing details, please contact our Loans Underwriting team at loansunderwriting@familybsoc.co.uk