A Personalised Approach to Buy to Let Refinancing

Are you looking to invest in a buy to let property as a limited company? We have the banking contacts to provide a tailored solution where other lenders may not be able to help. To discuss this or any other large or complex mortgage case, please contact us on 020 7519 4984 or email us.

Case Profile

Our client was a family of established landlords, with an extensive property portfolio built up over the last 40 years. They approached us to refinance three properties, specifically looking for interest only products at the lowest possible rates, tied to the Bank of England base rate.

The family had grown tired of dealing with High Street lenders and were frustrated that they were offered a maximum 10-year term with less than 60% LTV. They also craved a personal approach.

Our expert adviser team were challenged by certain areas of the client’s circumstances. Namely, their properties were multi-unit, which was outside of the scope of many lenders and meant that the number of options was compromised. Additionally, the family wanted to refinance through a Limited Company with the Father as a Director. As he was over 70, this proved an issue for many lenders.


Our team at largemortgageloans.com applied their market knowledge and expertise, along with our strong relationships with our global network of over 200 finance providers, to find a suitable lender that would take this case.

Our mortgage specialists were able to source a trusted lender who offered an excellent rate, at a higher loan to value than elsewhere for multi-unit properties. The lender was also happy to use the age of one of the younger Directors as lead applicant, meaning the age of the family’s Father would not be an issue. The lender offered a very personalised and tailored approach, even appointing a personal banker to liaise with the family, which was much appreciated and well-received. The client was surprised and delighted with the outcome.

Deal Highlights

Loan amount: £2.3M (across 3 properties)
Rate:2.99% Plus Bank of England Base Rate for term of loan
Term:25 years
Type:Interest Only
Loan purpose:Remortgage, Capital Raise – Limited Company Buy to Let



This case study is for information and illustration purposes only. It is not an offer, or suggestion of an offer. Each mortgage case is assessed on an individual basis and there is no guarantee that the solution described here can be repeated in the future.

Please note that this specific deal may not be available to – or suitable for – all customers, dependent on their individual circumstances. The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it. This document may not contain all the information needed for customers to make a decision and they should seek advice.

Overall cost for comparison 5.50% APR representative variable based on a rate of 2.99% Plus Bank of England Base Rate for term of loan of 25 years. Because all, or part of, the mortgage is currently, or will revert to, a variable interest rate mortgage, the actual APR could be different from this APR and the payments could increase, if the interest rate of the loan changes. The actual rate available will depend on your circumstances. Ask for a personalised illustration.

Your home or property may be repossessed if you do not keep up the repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

largemortgageloans.com is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: www.fca.org.uk. The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Largemortgageloans.com Ltd is a licensed credit broker, and not a lender.

Largemortgageloans.com Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business.  

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