• Applications for purchase of a Director's main residence are considered.
• Intercompany loans are accepted as a source of deposit.
• 125% Interest Cover Ratio (ICR) for Buy to Let (175% for HMOs).
• Additional 0.10% gross procuration fee for Limited Company New Business applications.
• 2 and 5 year fixed term and 2 year tracker products with free standard valuation.

• Products available up to 80% LTV.
• £750 cashback on our range of 5 year fixed rate remortgage products up to 75% LTV.
• No limit to the number of properties your client can have with us.
• No maximum age limit for experienced landlords at 65% LTV or less.

Pre-application requirements

Before your apply, there are a few points to consider. Some have been summarised below:

• For a newly created Limited Company, please wait three working days before applying for any products.
• A business bank account must be set up before applying for a Limited Company mortgage.
• Only Special Purpose Vehicles (SPVs) with one or more of the following Standard Industrial Classification (SIC) codes are considered: 68100, 68201, 68209 and 68320.
• We'll validate SPV information on Companies House to ensure it matches. There can be examples where you will get a decline message related to Unacceptable Person of Significant Control. Find out more in our lending criteria and Companies House pre-application check.

Go to Limited Company criteria

Got a question?

Our expert team are ready to help face-to-face, online and on the phone.

• Find your BDM
• Contact our Dedicated Broker Support team through Broker Chat or over the phone.

*BVA BDRC research August 2025.