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 secure their next investment, from the application stage and beyond.
Contact us to discuss how we can work together
Key features
Fixed & variable rate options available (depending on the term)
No limit to the number of properties you can own
Equity release for purchase and refinance
Limited company lending or individual name(s)
Gifted deposits permitted (between family members)
Funding available for large portfolios and borrowings
Interest-only options available
No valuation fee payable until loan is approved
Lending available in England, Scotland & Wales
Interest rate options
Variable rate:
Terms from 12 months to 30 years
Fixed rate:
Terms of 3 or 5 years
(depending on the product)
Lending criteria
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.
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
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
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
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
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
"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."
Stuart Oldfield
Platinum Money Ltd
"After a lot of hard work from all sides we have finally completed today… This application has not been the easiest… Your patience, thoroughness and professionalism has been second to none. Thank you again for all your help and support, onwards and upwards to a lot more business in 2023."
Michael Kennedy
PBFC UK Ltd
"I was most impressed with the regular updates and communications and the understanding of our deadline. As a lender, your 'can do' attitude was most refreshing."
Julie Priest
Charles Louis
"Of all the banks I deal with, I have to say the Cambridge & Counties Bank team work tirelessly to get deals agreed and drawn. It is good dealing with a bank who always works to find solutions for clients (and brokers) rather than looking for reasons not to provide funding. It’s very refreshing in the current climate to have someone that understands funding and has the desire to get things done. Once again thanks for your help and support."
Simon Harrison
Flexible Commercial Funding Ltd
"Thank you to the entire team, with all your help we managed to get there, and, in the process, we saved the customer £4,000. Great work guys!"
Alex Churchill
Real Property Finance
"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."
Andy Reynolds
Sterling Capital Reserve Ltd
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.
For general enquiries please contact:
Existing customers please contact: