Buy to Let & HMO’s
Buy to let and HMO mortgages increasingly represent a consistent and growing sector of the overall mortgage market.
The number of products and availability, to both seasoned property investors and first time landlords continue to increase month after month.
Pure Funding Solutions can help you with
First charge Buy to Let Mortgages
Second charge Buy to Let loans
Mortgage and Loans to both individuals and Ltd Companies
Purchase of a new Buy to Let property
Remortgage or Refinance of an existing property for further property acquisition
- Assisting first time prospective Landlords
- Working with very experienced and seasoned Buy to Let customers and Investors
- Non UK residents, Ex Pat’s and Foreign Nationals all considered
- Refinancing whole portfolios
Products and Criteria
Mortgage and Loans up to 85% Loan to value
Rental cover from 100% of the mortgage payments (sometimes called the Debt Service Cover, or rent to Income cover)
Loans from £50,000 to £25M
- No restriction on the number of properties
- Interest Only and Capital Repayment loans both acceptable
Rates from 2.99% over LIBOR
Fixed rates, Bate rate trackers and Libor tracked products
- Cash back and part valuation also available with some lenders
Why use a Broker?
The majority of Buy to Let mortgage and loans can only be accessed via a Broker or Intermediary
- A Broker can discuss a potential loan application with a number of different lenders to source and find the most competitive and suitable products on the market, saving the customer time and possible confusion
Brokers can sometimes have access to exclusive and semi-exclusive products that may not be readily available
- The products and criteria can be a explained in a clear and concise way ensuring understanding and satisfaction
Please note that due to recent tax changes regarding Buy To Let and Second property purchases, we strongly suggest that any customer takes and receives the appropriate tax planning advice from their accountant. This should include acknowledgement of the recent stamp duty costs on Second property purchases as well as the advice on the recent Government changes regarding claiming basic tax relief on their Buy to Let properties.
Look no further than Pure Funding Solutions for all your Buy to Let Enquiries
Let’s Make Things Happen
Contact us to arrange a free quote from one of our experienced team.
Jaye & Suresh Sreedharan
We have been in the property investment business for over 20 years and have yet to work with a team, who are as receptive and prompt in assisting us as clients, such as Pure Funding. They work with us to make the best business decisions for our situation and what we are looking to do. They have integrity, honesty and are so easy to work with. We would not hesitate to recommend their services”
Robert D
“I just thought I’d like to send an email to say how I’m always impressed on how you conduct your business. You seem to take on all the frustrations that borrowing from the banks today seem to entail on behalf of your clients, it’s very gratifying . I’ve been using you for more than ten years now and wouldn’t have any hesitation in recommending Pure Funding Solutions to anyone”
B Sawyer
“I approached Pure as we have done business together in the past. The remit was to find a Bank to finance the purchase of a 3500 square foot industrial unit in Kingston, large enough to house my growing bespoke Kitchen design business and workshop. An 80% loan was achieved; amazing considering this was at the height of the credit crunch, but not surprising as I have a strong business and the guys at PFS know how to put a deal together. Excellent work!”
Yen Sanford
“Pure Funding Solution is more than just a business to me. They have beautifully aligned as a working partner to help grow a number of my businesses over the last 8-10 years. They have an innovative and dynamic team, led by Danny, that have worked tirelessly to create bespoke financial solutions for me. I can honestly say that we wouldn’t be where we are without their expertise, support and guidance. A heartfelt thanks to all the team. I look forward to working with them for many years to come.”
Ian Ogilvie
“I have been successfully working with PFS for a number of years, raising money for my BTL investment business. I can rely on their knowledge and experience. They have always been professional and approachable, a pleasure to deal with”
Kestusis N
“I have found Pure Funding Solutions to be very helpful and supportive. Daniel Churchill is my first port of call when contacting PFS and he’s always on hand to guide and explain the processing throughout the application of the loan. Nothing is too much trouble for any of the team and I am more than happy to recommend them”
Catherine Richardson
“Having worked with Pure Funding for over 10 years, I always find the team to be professional, enthusiastic, friendly and committed to providing the best possible service. They are always my first choice for the challenging cases”
Andrew Watson
“As a residential mortgage broker of 23 years I have worked with a number of master brokers for all my clients secured loan, commercial and bridging requirements and more often than not this meant ridiculously high fees for my clients and terrible customer service for us both. That was until in 2014 I was introduced to the team at Pure Funding Solutions and since then I have no need to go anywhere else as their knowledge and professionalism means that my clients get access to all the best market deals along with a customer experience that is second to none. This allows me to concentrate on my residential deals safe in the knowledge that my clients are in safe hands. Highly recommended to all”
Jeremy Scott
“Pure Funding is a great company to work with. All personnel are very knowledgeable and easy to deal with. They seem to be able to operate in a friendly manner whilst still showing the professionalism you would expect. I would recommend to any of my clients should the need arise”
Steve McCarthy
“I have worked with Pure Funding Solutions for a number of years now and their market knowledge, lender relationships and hard work is second to none. All the team are very personable and they are in fact a pleasure to deal with”
Simon Glastonbury
“A great company to deal with; I have introduced many commercial mortgages and secured loans to them over the years and their completion ratio is excellent”
Rob Winterhalter
“Great working with you guys, you always have our client’s best interests at heart and strive to successfully complete all deals. Excellent service!”
Denny Lane
“Prospect Capital are an offshore based lender who are active in the UK lending market. We are very happy to be partnered with PFS for our UK lending business, the quality of business introduced, the speed of turnaround and the professionalism with which the clients are dealt with have proven to dramatically increase the business we have written over the last 24 months. I would state that PFS on almost every occasion go above and beyond compared other brokers we deal with, they are involved from beginning to the end and this does make a considerable difference. I would not hesitate to recommend PFS”
Mark Posniak
“The team at Pure Funding has always been a pleasure to deal with. Their focus and drive to securing the best terms for their clients shines through in all their interaction with our team. Deals through Pure Funding tend to complete very quickly due to their understanding of our products and processes, coupled with the quality of their staff and internal systems”
Tomer Aboody
“MTF has worked with Pure Funding Solutions for many years and few businesses come with the wealth of experience and knowledge they have. They take the time to fully understand their client’s needs and are committed to achieving the correct possible outcomes for each of their clients.
Their focus on efficiency and professionalism, and consistent delivery of high quality service makes them a pleasure to work with. MTF enjoy a close working relationship with Pure Funding Solutions and we look forward to building on this relationship for many years to come”.
Jon Sturgess
Pure Funding benchmark themselves in achieving exceptional customer service and ensure that they offer the best solution for their clients. Having worked closely with the team for many years we have a relationship built on core values and a customer centric proposition. Pure Funding are a credit to the lending industry.
