Buy to Let and Portfolio Buy to Let

Offering you help in a changing market

Buy to Let has seen massive change over the last few years and we are here to support the Landlords.

From the changes in taxation, rules on portfolios, EPC rules and rate changes, Landlords have had a lot to deal with so let’s make setting up the mortgages easier.

Here are the type of clients we can help

  • Portfolio Landlords
  • Limited Company purchase/refinance
  • Short term (holiday lets)
  • Multi Unit Blocks
  • House of Multiple Occupation (HMO) including Student lets
  • Bridge to Let (buy, refurb, refinance)
  • Properties above Commercial
  • Semi Commercial Properties
  • Landlord with adverse credit
  • Listed Buildings
  • Day one remortgage
  • Landlords with no oter income.

If you have a buy to let enquiry please get in touch.

    Thank you and we will be in touch

    Residential Properties

    Thistle’s lender panel incorporates market leading rates, loan amounts from £3k to £2.5m capital and Interest and Interest Only products with up to 95% LTV across the whole of the UK.

    BTL Properties

    Thistle’s lender panel incorporates market leading rates, loan amounts from £5k to £2.5m Capital and Interest and Interest Only products with up to 75% LTV across the whole of the UK.

    Criteria At A Glance

    • Interest rates from 3.74%
    • Loans are available up to 95% LTV
    • Buy to let Second Charge Loans available up to 75%
    • Up to £2.5m standard lending criteria (more available by exception)
    • Fixed rate products and interest only available
    • Market-leading commission

    Second Charge Loan Overview

    Considerations for Second Charge borrowing:

    • Clients have an interest only mortgage or a low rate mortgage that they do not wish to lose
    • Paying a Tax liability – first charge products do not cater for paying HMRC
    • Clients have suffered from credit impairment and wish to consolidate their outstanding debt however cannot re-mortgage
    • Clients circumstances have changed e.g. new employment with lower rate of pay precludes them from a re-mortgage. Typically, Second Charge lending allows for greater income multiples
    • Clients wish to borrow beyond normal retirement age
    • Re-mortgage product would incur a high early repayment charge
    • Clients wish to capital raise against their BTL portfolio to fund deposits for further property purchases without the intricacies and time constraints of the re-mortgage process