AToM Buy to Let Mortgages

Whether your client is a First Time Landlord looking to purchase their first investment property or a portfolio landlord looking to expand or re-structure their portfolio and everything in between, AToM can help!

Our carefully curated Lender Panel allows us to place 90% of the specialist BTL business that is submitted to us. If you are struggling to place a BTL application please feel free to give our friendly sales team a call on 01403 272625!

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AToM's BTL Lenders include:

Axis Bank Dudley Building Society family building society
Foundation Home Loans Harpenden Building Society Kensington Mortgage Company
Kent Reliance Precise Mortgages Shawbrook Bank
Tipton and Coseley Together Mortgages Bluestone Mortgages
Landbay Pepper Home Loans Saffron Building Society
The Mortgage Lender Vida Homeloans

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What can we help with?

Portfolio Landlords

With the introduction of the changes brought in by the PRA in Sept. 2017, placing BTL applications from portfolio landlords has become increasingly tricky and time-consuming. Some lenders have opted to pull out of the market entirely and those that remain have had to tighten up their underwriting criteria. Fortunately we have a number of lenders who are still keen to lend to those looking to expand, re-structure or maximise their portfolios. Our team fully understand the complexity of assessing background portfolios and have a number of tools to make the process as painless as possible.

Limited Companies and LLPs

Tax changes brought in early 2017 have pushed large numbers of landlords to transfer their properties from personal ownership into that of Ltd Company, normally established as a Special Purpose Vehicle (SPV) established soley for owning and managing properties. Most lenders do require Ltd Companies to be set up as SPVs, however at AToM we do have access to lenders where this is not the case. As well as potential tax relief this also can help landlords maximise the borrowing on their properties, most lenders offer preferential rental coverage for Ltd Co. applications over personal names. We also have lenders who can assist UK Ltd Companies who's directors reside abroad.

HMOs and MUFBs (Multi-Unit Freehold Blocks)

HMOs and MUFBs can be an excellent way for your landlord clients to maximise their returns, often offering far better yields than single lets. We can place HMOs and MUFBs up to 85% LTV and we have lenders on panel who have no maximum amounts of bedrooms/units per property. No matter what size, whether this is your client's first HMO or their 100th we can help.

Holiday Lets & AirBnB

Holiday Lets can be an excellent way to diversify a portfolio, usually looked at as more short term investment than a traditional BTL, we have lender's with no ERCs so your client's need not worry. With AirBnBs slowly eating away at the market share of hotels and traditional BnBs, now could be the right time for your clients to invest and we have lenders who can help!

First Time Landlords

There are many great reasons for wanting to invest in property; a second income stream, planning for retirement or even just building a whole new business. Whatever your clients reasons we want to make it happen and our lenders could be able to help, even up to 85% LTV. Some of our lenders don't even require them to own their own residential home!

Consumer and Regulated BTL

Regulated BTLs are a great way for parents and other family members to provide a roof over the heads for their loved ones who may not be able to get on the ladder or wish to rent privately. Most lenders don't want to deal with these mortgage because of the increased regulation, however, we have lenders who have mortgages specifically tailored to help clients in this sort of situations.

With the introdcution of the MCD in April 2016, some BTL mortgages that were previously unregulated now fall under the regulated banner. Different lenders use different criteria to define what is and isn't a consumer BTL, but our sales team know the ins and outs and can place your client with the most appropriate lender quickly and easily.

Take a brief look at some our BTL USPs:

  • On-site Underwriters (selected lenders)
  • Exclusive access to lenders and products
  • We can instruct valuations with certain lenders to speed up your applications
  • Rates starting from as low as 2.44%
  • 5 Year Fixed rates for increased borrowing starting from 2.73%
  • No ERC rates available from just 2.94%
  • No max size on landlords' portfolios
  • No minimum income
  • First Time Buyers from age 18
  • No max age for older borrowers
  • First Time Buyer/First Time Landlord considered
  • Gifted Equity as sole source of deposit accepted
  • LTV’s up to 85% (including First Time Landlords)
  • HMOs and MUFBs up to 85% LTV
  • HMOs and MUFBs with no max bedrooms/units
  • Loans from £5,000 to £3,000,000
  • Properties valued from £40,000 (lower by referral)
  • Flats above commercial up to 80% LTV (subject to underwriter/valuers comments and commercial premise type)
  • Lending available in Scotland (area restrictions may apply)
  • ICRs from 125%
  • Lenders who will take earned income into acccount to maximise borrowing
  • Business, Consumer and Regulated BTLs available
  • Ltd Companies (including trading businesses), SPVs, LLPs
  • Light refurb products available

Submit your DIP request online now via AToMTogether

Call our Sales Team now on 01403 272625 or email us at sales.team@atomltd.co.uk.

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Contact Details


All Types of Mortgages Limited
AToM House
24 Carfax

Horsham,
West Sussex
RH12 1EB
Phone: 01403 27 26 25