Market Financial Solutions MFS Bespoke Specialist Lender Bridging Finance and Buy to Let Mortgages
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Buy-To-Let Loan Rates

Buy-to-Let Rates Table

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This Loan Rates Table is representative of the Q2 2022 MFS Buy-to-Let Loan Rates.

Tier 1: Standard BTL

Our best rate for straightforward cases

Tier 2: Standard BTL

Designed for most simple transactions. Those wanting mid-term BTL solutions from a 'can do' lender

Tier 3: Standard BTL

For more complex borrowers or properties: Large structures, expats, foreign nationals, or overseas companies

Tier 4: Bespoke

Complex combinations reviewed by experienced UW on case ments & wider picture. We always try our best to lend
Fixed Rate (for full term) 5.69% 6.49% 6.99% From 7.29% (POA)
Pay Rate 5.19% (with 1/1.5% deferred interest) 5.19% 5.99% 6.49% From 6.89%
Product Free 1.75% 1.75% 1.75% From 2% (POA)
Max LTV 75% 75% 75% <=70%
Loan Term 24 or 36 months 24 or 36 months 24 or 36 months 24 or 36 months
Individual Loan Size £150k -  3m £150k -  3m £150k -  3m £150k -  3m
Rate Deferral Up to 1.5% Up to 1.5% Up to 2.0% Up to 2.0%
Rollup & Defer Up to 9 months Up to 9 months Up to 9 months Up to 9 months
HMO
Yes <= 6 beds Yes <= 12 beds. Max 70% LTV Yes, any size considered
Multi-Unit Freehold Block
Yes, <= 6 units Yes, 10 units Yes, up to 30 units
Flats above commercial Yes, not above certain types Yes, max 60% LTV certain types Yes, max 65% LTV certain types Yes, Considered to 70% LTV
First Time Landlord
Expat/Foreign Nationals
UK footprint
Offshore Company
Holiday/Short Term Let
Credit Blips

(outstanding impairment to be satisfied by completion)
Missed Mortgage Payments (incl 2nds) 0 missed in last 24 months 0 missed in a last 18months 2 missed last 18m, in 0 in last 6m Considered upon referral
Unsecured Card/Loan Payments (ignore when balance < 500) 0 missed payments last 24 months 0 missed payments last 12 months 2 missed in last 18m Considered upon referral
CCJs & Defaults (Ignore <= 350, telecom, utility) 0 in last 24m 0 in last 18m 2 in last 18m, in 0 in last 6m Considered upon referral
Bankruptcy/IVA/DRO Never Never Discharged > 3 years Considered upon referral

1Hard ‘Gross loan’ limit. Product or broker fees and rolled up interest will reduce gross loan.
2Flats above commercial: above (or immediately adjacent) commercial premises up to max tier LTV, except when a restaurant, takeaway, pub, or launderette; max LTV 60% tier 2, 65% tier 3, and considered to 70% Bespoke tier 4.
3UK Footprint: Have active credit, accounts, or property in the UK. Offshore foreign nationals, companies, or expats without this assessed on tier 3 or 4; min rent ICR may be increased, term cap 24 months, or interest payments retained from the loan at UW discretion.

4Rollup & Defer: Maximum of 6 months on 24 month term, maximum of 9 months on 36 month term.

Instant quote at your finger tips

From property renovation to development exit, you can use our calculator to receive a detailed quote regarding a potential bridge loan with MFS – so you know what to expect from the get-go.

Bridging Calculator

Working in the same dynamic as our bridging calculator, our buy-to-let calculator will help you find out how much you can borrow for the product that you need.

Buy-To-Let Calculator
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Designed for landlords.

Our Buy-To-Let Mortgage product is here to help you find your specialist financial solution.

Whether you’re a first-time landlord looking to start your journey, or a seasoned investor purchasing your next HMO, we’ve got you covered.

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