Category: Limited Company Mortgages
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Why are BTL Fees so high?
Why Are Buy-To-Let Mortgage Fees So High? Buy-to-let mortgage fees can seem high because many lenders use arrangement fees to balance the interest rate, rental stress test and overall profitability of the product. In some cases, a buy-to-let mortgage with a high product fee may have a lower interest rate. This can help reduce the… Read more
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Case Study: Commercial Mortgage for 46 Flats
Introduction We helped a property investor secure an £8.4 million commercial mortgage to purchase a block of 46 residential flats valued at £11.2 million. Our customer wanted to acquire the properties through a limited company, using funds provided by external investors for the deposit. They required a commercial mortgage at 75% loan-to-value (LTV), with interest-only… Read more
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What is the Buy to Let Stress Test and Will I Pass It?
Understanding the Buy to Let Stress Test The buy-to-let stress test is how lenders assess whether rental income is high enough to support a mortgage. Understanding how this works before applying can help you avoid declined applications, improve borrowing potential, and choose the right lender from the start. Different lenders use different stress calculations, which… Read more
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Bridging Loans for Companies
Bridging Loans for Companies: Secure Short-Term Finance for Business Growth When your company needs swift access to capital for property purchases, renovations, or business expansion, bridging loans can sometimes provide the solution. These short-term loans can help companies seize opportunities quickly, aiming for faster approvals than traditional commercial term finance. At Kerr & Watson, we… Read more