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Residential Investment

Straightforward mortgages that are as unique as your business

We know that the Buy-to-Let market is full of funders who lend within preset credit criteria. We do things differently. We realise that this tick-box way of doing things, along with offering generic loan products, means the individual requirements of your business aren’t taken into account.

We offer Buy-to-Let Mortgages that are flexible. We know that every transaction is different and therefore we aim to understand your individual requirements as every investors strategy is unique. We think that’s the best way to find you the simple and straightforward funding your business needs.

Lending criteria

Maximum 70% LTV based on open market value
Up to £15m borrowings per customer with no restriction on property numbers
Borrowers must be a UK entity or in personal name(s)
Experienced property investors
Terms from 12 months to 30 years
Secured by way of a first legal charge on a property located in England, Scotland or Wales
Interest only available up to 10 years
Personal guarantees requested from business owners/directors but are not always mandatory

Key features

No limit to the number of properties you can own
Equity release purposes allowed as well as purchase and refinance (up to 100% of costs)
Gifted deposits permitted (between family members)
Interest only options available
Long term committed loans, up to 30 years

Key Features

No limit to the number of properties you can own
Equity release purposes allowed as well as purchase and refinance (up to 100% of costs)
Gifted deposits permitted (between family members)
Interest only options available
Long term committed loans, up to 30 years

Why choose us?

At Cambridge & Counties Bank we know that not all residential property deals are the same or fit into distinct credit criteria. Because of this, our experienced front line and manual underwriting teams work closely to make sure we structure the ideal loan for your requirements. Everything we do is underpinned by our personal service that is truly first class.

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