Bed & Breakfast Mortgages

• We can typically lend up to 60% LTV on properties within our business operating area; Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), Northumberland (NE45-49), North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7) West Yorkshire (LS21-23, LS29 and BD20) and North Yorkshire (all HG and YO, BD23-24 and DL6-11)
• Our maximum LTV through the rest of mainland UK is 50% of the property value or purchase price.
• Interest only mortgages are capped at 50% LTV.
• Maximum mortgage term is 25 years on a capital repayment basis or 10 year term on an interest only basis
• Leasehold properties should have a minimum of 85 years left on the lease at the start of the mortgage and 50 years on maturity
• Borrowers to be EU Nationals resident in the UK

• Limited Companies incorporated outside the UK

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