The Intermediary – September 2025 - Flipbook - Page 43
‘Flexible options
for landlords?
My giddy aunt!’
WE’VE MADE SOME GREAT IMPROVEMENTS TO OUR BUY TO LET CRITERIA
— Interest Coverage Ratio (ICR) requirement for all Limited Company BTL applications reduced to 125%
— HMO and MUFB applications now accepted up to a maximum of 75% LTV
— HMO applications now accepted for limited company and personal name BTLs and UK expats abroad.
WHETHER YOUR CLIENT NEEDS A STANDARD, EXPAT OR LTD CO.
BUY TO LET MORTGAGE, SEE HOW WE CAN HELP
No minimum income
Applications accepted to age 89
No stress test on background properties
No limit on number of properties in a SPV
Max LTVs for BTLs now 75%
Expat cases accepted from over 40 countries.
We do not require personal guarantees up to 65% LTV
CONTACT OUR AWARD-WINNING TEAM OF BDMS TO FIND OUT MORE:
intermediaries.familybuildingsociety.co.uk
C A LL US ON 01372 744155
OR EM AIL mortgage.desk@familybsoc.co.uk
VISIT
FAMILY BUILDING SOCIETY, EBBISHAM HOUSE, 30 CHURCH ST, EPSOM, SURREY KT17 4NL
Family Building Society is a trading name of National Counties Building Society which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority. National Counties is on the Financial Services Register. Firm Reference Number 206080.
