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Property finance
solutions for
your client

 

Our buy-to-let finance is the right option for
those looking to expand their property portfolio.

We talk, we listen and we really get to know what makes your clients business unique, so that we can create solutions that work for them. Our frontline team will work with you and your client to identify and structure the right deal, taking the complexities and the jargon out of the loan application process.

We offer terms ranging from 12 months to 30 years, with up to £15 million borrowings per customers and no restrictions on property numbers.

This, combined with our manual underwriting process and support from our expert team, means we can help your client to secure their next investment, from the application stage and beyond.

Contact us to discuss how we can work together

houses








    The personal information you supply to Cambridge & Counties Bank in this form will be processed in accordance with the Data Protection Act 2018 to help your enquiry. We may share this information with other departments, or law enforcement organisations to improve service delivery or for the prevention of crime and fraud where the law allows this. Further information on how we handle your personal information can be found on our Privacy page.

    Buy-to-let

    no property limit

    No limit to the number of properties you can own

    equity release

    Equity release for purchase and refinance

    limited company lending

    Limited company lending or individual name(s)

    gifted depositis

    Gifted deposits permitted (between family members)

    large portfolios

    Funding available for large portfolios and borrowings

    interest only

    Interest-only options available

    No valuation fee

    No valuation fee payable until loan is approved

    england wales scotland

    Lending in England, Scotland & Wales.

    Lending criteria

    Wondering why our rates aren't on sourcing systems?

    It's simple: your client's unique circumstances matter. We prioritise understanding their business needs and future goals.

    Each deal is different, and our decision-making process carefully considers a diverse range of factors. This approach ensures tailored solutions, avoiding the one-size-fits-all trap. Trust matters to brokers and our model helps strengthen lender-broker-client relationships. Explore a fresh perspective with a lender that takes the time to understand your client’s needs. Reach out to us and experience the difference.

    Feature Check mark

    Up to 75% LTV of open market value

    Feature Check mark

    Minimum loan £250k

    Feature Check mark

    Terms from 12 months to 30 years

    Feature Check mark

    Corporate borrowers must be registered in the UK or Crown dependencies

    Feature Check mark

    Only available to experienced property investors

    Feature Check mark

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

    Feature Check mark

    Personal guarantees requested from business owners/directors but are not always mandatory

    Feature Check mark

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

    Feature Check mark

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

    Deals we've done

    We talk, we listen and we really get to know what makes your clients business unique, so that we can create solutions that work for them. Once a deal has been established, the conversations continue. Your clients can expect outstanding personal service throughout the lifetime of their loan and beyond. To get an idea of how we could help your clients, take a look at some of the deals we’ve shaped through our broker partners, and given the green light to.

    Houses in a row

    We helped an investor gear up against an unencumbered portfolio of residential assets.

    Loan type: Residential investment
    Loan amount: £2m
    LTV: 50%
    Loan term: 30 years

    High angle view of scenery with small english town or village in the countryside with hills and fields

    Our customer was able to leave their current high street funder after we came on board to refinance their property portfolio of buy‑to-let assets.

    Loan type: Residential investment
    Loan amount: £2.5m
    LTV: 48%
    Loan term: 5 years, interest only

    Row of houses

    An experienced BTL investor required funding to purchase nine residential properties from their local authority, who insisted on having overage clauses put in place. The investor had approached standard lenders but was continuously told that the transaction was legally too complicated, but we were happy to help secure funding for our investor.

    Loan type: Residential investment
    Loan amount: £755k
    LTV: 68% MV
    Loan term: 30 years

    English home

    An existing customer was looking to refurbish six of their existing residential
    properties. Our funding also allowed the customer to contribute to future
    property purchases.

    Loan type: Residential investment
    Loan amount: £1.152m
    LTV: 73% VP, reducing to 70% within 12 months
    Loan term: 15 years

    Nursing home for the elderly

    A portfolio of four residential properties, all used to provide care services, were refinanced by the Bank on an owner-occupied basis. The customer wanted a long‑term commitment from their funding provider to remove the additional administration and fees of their existing funder who only provided a term of 3–5 years.

    Loan type: Residential investment
    Loan amount: £900k
    LTV: 65% MV
    Loan term: 25 years

    What our brokers are saying

    Stuart Oldfield, Platinum Money Ltd

    "Your efforts and attitude to help get this over the line have been nothing short of outstanding. This is what sets Cambridge & Counties Bank apart from the numerous other lenders we encounter."

    Andy Reynolds, Sterling Capital Reserve Ltd

    "I would like to extend my thanks to all parties at Cambridge & Counties Bank involved in this transaction. There were several challenges to overcome and it was very refreshing to see that the Bank went the extra mile (& then some) to enable this deal to get over the line."

    Download our product guide

    To find out more about our buy-to-let finance please get in touch with one of our experienced Relationship Managers who will be more than happy to have a chat with you.

    Get in touch with our experienced team

    For properties in Scotland, our minimum loan size is currently £500k, while for the rest of the country, it is £250k. We understand the unique financial landscape in Scotland and, subject to our standard lending criteria (which can be found on our website), we are open to discussions on tailoring finance solutions to meet specific requirements. For enquiries, please send us a message using the form below.

      Send an enquiry

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      The personal information you supply to Cambridge & Counties Bank in this form will be processed in accordance with the Data Protection Act 2018 to help your enquiry. We may share this information with other departments, or law enforcement organisations to improve service delivery or for the prevention of crime and fraud where the law allows this. Further information on how we handle your personal information can be found on our Privacy page.

      For general enquiries please contact:

      Call us on:

      0344 225 3939

      email us at:

      Fax us on:

      0116 254 4637

      Find us at:

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

      Existing customers please contact:

      Call us on:

      0344 225 3800

      email us at:

      [email protected]

      Contact