Are there lenders who will lend on BTL New Builds at 65% LTV?

Q: Hi, I’ve had an offer accepted on 2 penthouse apartments in Berkshire – both are £475,000, each with a rental estimate of £1850 pcm. I’m looking to borrow 65% on a buy to let but my broker can’t find anyone that will lend because they are both new build o


Yes, lenders have tightened up on criteria and also credit scoring as well, but there are still lenders out there who will lend. However you do need a larger deposit /equity and have a clean credit history. It appears that you do have the appropriate amount of deposit, and I do know of a lender that can lend on new build apartments to a maximum loan to value of 65%. It may be that your broker has not approached this lender, or that you have tried and been declined? There maybe other options for you to consider. As we primarily deal with high net worth individuals and large loans, we place a lot of business with private banks, who offer a more bespoke solution. However a private bank will be looking for some kind of banking relationship with you which would involve investing cash/liquid assets with them, this could be your own cash or from family members, or perhaps a pension fund for example. If you are able to do this you can get some very favorable lending rates and solutions. Contact us on 020 7519 4900 Find out more about Buy To Let Mortgages

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