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Our mixed-use loans can be an ideal investment solution for landlords looking to diversify from standard buy-to-lets or continue building their portfolio. Our options are flexible enough to meet the differing requirements of individual deals while still providing a simple and straightforward solution.

Key features

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Fixed & variable rate options available (depending on the term)

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Short term leases or licences are acceptable

No valuation fee

No valuation fee payable until loan is approved

equity release

Equity release for purchase and refinance

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Interest-only options available

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Lending available in England, Scotland & Wales

Commercial loan interest rate options

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Variable rate:
Terms from 12 months to 25 years

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Fixed rate:
Terms of 3 or 5 years

Residential interest rate options

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Variable rate:
Terms from 12 months to 30 years

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Fixed rate:
Terms of 3 or 5 years

Lending criteria

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Up to 70% LTV of open market value

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Only available to experienced property investors

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Minimum loan £250k in England and Wales

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Up to £15m borrowings per customer with no restrictions on property numbers

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Terms from 12 months to 25 years (if the residential element of the property exceeds 60% floor coverage, the maximum term is 30 years)

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Minimum loan £500k in Scotland

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Personal guarantees requested from main directors/shareholders but are not always mandatory

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Corporate borrowers must be registered in the UK or Crown dependencies

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For borrowing in personal name(s), individual must be a UK resident

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Secured by way of a first legal charge on a property located in England, Scotland or Wales

Haven’t quite found what you’re looking for?

Get in touch with our experienced team or take a look at our Useful documents and FAQs page.

Call us on:

0344 225 3939

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Find us at:

Cambridge & Counties Bank
Charnwood Court
5B New Walk
Leicester LE1 6TE

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