Mortgages for Buy to Let & Residential

Residential Mortgages

If you are looking for the best deals for buy to let mortgage, you have come to the right place. Recently, the buy to let industry has changed. The criteria are different depending on which lender you go to. Compared to the buy to let mortgages before, the rental income covering the mortgage payments is not the only criteria that will be assessed. Mortgage direct lenders are now taking other factors in consideration just they would do with underwriting residential mortgage applications.

Buy to let mortgages have an assorted range of products to choose from. Lenders in this space could accept between LTV90%, LTV85%, LTV80%, LTV 75% or LTV60%. Whether you’re a first-time property buyer, a first-time landlord, or an ex-pat, looking to borrow with no income, there are lenders out there that can facilitate a mortgage application for you.

Bad Credit or Good Credit Mortgages

Bad Credit mortgages are those who have a low credit rating of 400 or lower. You can still be a approved for a bad credit mortgage if you have a low or bad credit score.

We can help customers with a wide of options to choose from and have experts to help in adverse credit mortgages Many customers want to know if they are eligible for a mortgage as they are others who may have been turned down in the past due to their low credit score or adverse credit report. The fantastic news is that there is a market for those with adverse credit. There are direct lenders who can facilitate a residential or a buy to let mortgage to those with bad credit or to those with good credit. If you have been turned down because of your adverse credit, it does not mean other lenders will turn you down too. As long as you receive the correct advice, you could obtain an adverse credit mortgage loan.

Mortgage Rental Calculator & Rates

Have a look at our Residential & Buy to Let Mortgages rates table below. This will give you an indication of the Residential & Buy to Let Mortgages interest rates that are applicable.

Loan Amount Interest Rate % (APR) Tenure (Loan Term)
Borrow between
£30,000
to
£2,000,000
Variable interest rates From 10 to 35 Years

Borrow between 10 up to 35 years

Residential, Buy to Let Interest Rates & Repayment

Loan Amount:

£100,000

80% and 75% Loan to Value (LTV) Mortgages

There are a wide-range of LTV90%, LTV80%, LTV75%, mortgages and bridging loans, financing available with great interest rates for those looking for a short-term mortgage to bridge the gap till their new mortgage starts. Loan amounts are subjected to a full application assessment. Loan to value from 100LTV, 85LTV and 75LTV

Bridging Loans for Auctions

Bridging loans can help you as you wish to buy your property at an auction. As you may be aware, buying properties in an auction requires immediate finance to hold the property when you win. Normally, a 6-7% deposit is needed upon winning the property auction and you may have a 1-month timeframe to complete the purchase.

Property Auction Finance

Property auctions are fast moving and you may save a lot on the price compared to buying from private sellers or agents. Direct mortgage lenders may require your property to be in a habitable state before they can offer the mortgage. Most of the time, property auctions auction homes that may need refurbishment in order to satisfy the lender's criteria to lend. Therefore, bridging loans will help you with this.

Bridging Finance Companies

Bridging Finance Companies such as us, tend to go the extent in finding out which product is suitable for your specific situation. We tailor make a product to help you progress in your purchase(s). Our rates are very competitive and have a fast turnaround.

Bridging Loan Providers

There are some bridging loan providers who do not offer the loan to value (LTV) to suit your circumstances. You can have a deposit as low as 10%, terms and conditions and full application applies.

Our Bridging loan calculator is intended to give you a rough estimate on the repayment amounts, the interest that is charged in your We have the most competitive pricing available to help you bridge the finance needed when moving homes.

We have direct lenders access to independent lenders to facilitate your Bridging finance application. Direct access to bridging finance underwriters is crucial when undertaking the necessary steps to finance. There are no broker fees involved when applying.

Bridging loans are loan advances that will help you on a short-term basis. Bridging finance has terms between 3 to 12 months. It is typically taken out for a period of 3 to 12 months and aforementioned all depends on the arrangement of the other larger or smaller longer-term financing available. Use our bridging calculator below to work out what you can borrow and the costs involved. Bridging loans are intended to help people purchase the desired property before actually selling their current property. It helps to minimize the time taken from selling your property to when the new home mortgage is due for repayment. It is ideal for those with a chain. Bridging finance is used as short-term and may have a higher rate of interest as opposed to other finances available, such as mortgages or, commercial mortgages.


Smart Loan Options

  • Get a Smart & Affordable Long-Term mortgages between £50,000 to £1,000,000
  • We are equipped with up advanced technology in order to help us gain an insight into your financial situation
  • Choose which loan and term is the most suitable
  • Realistic and affordable repayment options
  • Residential, Adverse Credit mortgages, Commercial & Semi-Commercial property, all considered
  • Tenure, term of up to 12 Months facilities available
  • Up to 90% loan to value. 100% with dependant on additional security
  • Faster Completions

Clear & Transparent

We have been helping people for years. A wide range of residential and buy to let mortgages, Bridging loans finance options available to choose from depending on your current circumstances. We do all the work so you don't have to. No fax required. Online applications are quick and we will facilitate your residential and buy to let mortgages as seamless as it can be.

Data & Flexibility

We found that high street lenders or banks, are not for everyone. They may not offer bridging loans that suit your financial situation for the term needed. This is where SelectFinance steps in, to help you in get out of any difficulties you may face.

  • Smart Affordable Long-Term loans
  • Straight forward application
  • A range of specific options of residential and buy to let mortgages or loans and term is most suitable
  • Affordable repayment options, competitive interest rates

Bridge Loans for Home Purchase

Bridge Loans for Home Purchase is available and is a perfect reason to use a bridge loan other than the obvious reasons to borrow such a short-term bridge loan. We can help you with the product finder, fees, and costs when taking out a bridging loan. Purchasing a home when you haven't yet sold your current home, is a problem that can be solved by using a Bridge Loan.

Bridging Finance Lenders

Bridging finance lenders in the UK who are direct are hard to find, even those who have close relations to loan providers are very small. We can help you in your bridging needs. Although some bridging finance lenders may look into your other assets you may hold, other finances.

Bridge Loan Financing

Bridge loan financing are loan products specially desgined for those wanting to borrow money on a short-term basis in order to secure a purchase of a property without having to wait to sell your own in time. Loan financing from £20,000 to £2,000,000 available and up to 36 months.