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

Loans from £150k to £10m.
Experienced property investors
Maximum 70% LTV based on valuation not purchase price
Terms from minimum 12 months to maximum 30 years
Interest only available up to 10 years
Personal guarantees required from business owners/directors
Secured by way of a first legal charge on a UK located property (excluding Northern Ireland)
Borrowers must be a UK Registered Company, Limited Liability Partnership, Trust, Charity or in personal names

Key features

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

Key Features

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

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.

Useful information