Commercial buy-to-let mortgages

As a buy-to-let and commercial mortgage specialist, Buy-to-let Direct deals with a wide range of different cases from landlords, from straightforward buy-to-let applications through to fully commercial property transactions, with a whole host of scenarios that fall somewhere in between.

The buy-to-let sector has been subject to a significant amount of change over the last few years, including tax and regulatory changes that have affected the profitability of many property investment businesses. This has resulted in landlords looking at alternative ways of making their enterprises successful.

Commercial Buy-to-let

Whole of Market

Complex buy-to-let

At Buy-to-let Direct we have seen an increase in what we think of as ‘complex’ buy-to-let cases involving, for example, limited company applications, Houses in Multiple Occupation (HMOs) or Multi-Unit Blocks (MUBs). These can present opportunities for landlords to avoid the recent changes to personal buy-to-let tax relief or to generate more rental income for their properties.

HMOs and MUBs have always been popular with professional landlords due to the potential for greater rental yields from multiple tenants and there are plenty of buy-to-let mortgage lenders to choose from for these types of properties.

To discuss your commercial buy-to-let mortgage requirements call our professional team of experts on 029 2069 1010 or register to use our free buy-to-let Mortgage Finder

Semi-commercial properties

Since the Stamp Duty hike in 2015, introducing a 3 per cent surcharge on second homes, we have seen a growing interest from landlords in semi-commercial properties. Typically, this would mean a commercial unit such as a shop with a residential component above it, which wouldn’t be subject to the stamp duty increases and could present a good investment opportunity.

Factors for you to consider if you are thinking about investing in a semi-commercial property include:

  • lenders often prefer the residential element to make up over 50 per cent of the building
  • separate access to the residential unit is normally part of standard underwriting criteria
  • minimum square footage of residential flats above commercial units needs to be met
  • applicants should ideally have prior letting experience

Buy-to-let Direct has a number of specialist lenders available on its online buy-to-let mortgage finder who provide semi-commercial finance, such as Interbay and Shawbrook Bank, and we have an extensive list of other lenders via our specialist commercial finance team.

Bridging finance

Bridging finance

The reputation of bridging finance being too expensive seems to be fading, with bridge-to-let, light/ heavy refurbishment and auction finance all providing useful resources for landlords looking for bargains or ways of improving the value and attractiveness of their property portfolio.

At Buy-to-let Direct, we have expanded our bridging panel to offer a broad range of options and competitive deals for landlord customers who are looking for short term finance solutions. If you would like to explore these options, please feel free to contact us as we are here to help you.

To discuss your commercial buy-to-let mortgage requirements call our professional team of experts on 029 2069 1010 or register to use our free buy-to-let Mortgage Finder

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