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Dear Broker,

HMO Product

Limited companies accepted ( with Directors Guarantees )
10 years interest only
Up to 70% LTV
4.5% above base rate – pay rate currently 5% pa
Rent stress test 130% cover at 7.5%
Up to 10% of the loan can be repaid annually without penalty
Lender arrangement fee 1.75% deducted

A Fixed Rate of 6.82% available for three years.

If applicant is not a professional landlord the stress test is 130% cover on capital and interest over 20 years (even though product is a 10 year interest only deal).

Please call an underwriter for details.

Kind regards,