alerticon

This information is for professional intermediary use only and must not be distributed to potential customers.

complexbuytolet big

Complex buy-to-let mortgages

Ideal for clients with circumstances a little more out of the ordinary, we can help secure funding for a wide range of scenarios, and deliver a tailored solution.


Get a quote

Why complex buy-to-let?

Complex buy-to-let mortgages provide a means to borrow when circumstances are a little quirky. From HMO, holiday lets and MUFBs to commercial and residential buildings, we can help clients in all manner of situations.

Key features

  • UK and offshore companies considered
  • Flexible landlord exposure limits
  • Up to 85% residential LTV available
  • First time landlords and property owners considered
  • Wide range of property types considered
  • Available to expats and foreign nationals

Frequently asked questions

The basics

What is a complex buy-to-let loan?

A complex buy-to-let mortgage is used for the remortgage or purchase of a property for rental purposes, that high street lenders would usually decline to lend against. 

Which types of property might need a complex buy-to-let loan?

Examples of non-standard properties might include:

  • Serviced accommodation and student residences
  • Houses in multiple occupation (HMO)
  • Multi-unit properties with one title deed
  • Freehold properties split into several flats
  • Flats above shops, including fast food and takeaways
  • Ex local authority flats
  • Holiday let

Who can apply?

Individuals and limited companies can apply for a complex buy-to-let loan.

When will my client find out if their application has been successful?

Our experience means that in most cases we will be able to give an indication almost straight away whether your client’s application is likely to be successful.

Hero Curve

Complex buy-to-let made easy

Remove the property finance headache and enjoy a service personalised to your clients’ needs – speak to Enterprise Finance today.

Enquire now