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Commercial 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.

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.

Limited company benefits

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.

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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.

This website aims to give you general information. It is not advice, nor can it take account of your own particular circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of mortgages.

Buy-to-Let Direct Limited: registered in England no. 06664758 : Greenmeadow House, 2 Village Way, Greenmeadow Springs Business Park, Cardiff, CF15 7NE. Buy-to-Let Direct is an Appointed Representative - Introducer of The Business Mortgage Company Services Ltd and regulated by the Financial Conduct Authority (No. 487867) to transact regulated mortgages and registered as a Consumer buy to let arranger. The FCA does not regulate some investment mortgage contracts.