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Products for Existing Customers

Below, we’ve outlined the type of mortgage you may have and the products that apply to each.

Core product	Specialist product	Specialist+ product
Sole Trader & Partnerships	Limited Company Special Purpose Vehicle or Limited Liability Partnership Special Purpose Vehicle without personal guarantee	Trading Business (Entity type sole trader, partnerships, Limited Company, Limited Liability Partnership)
Limited Company Special Purpose Vehicle or Limited Liability Partnership Special Purpose Vehicle with personal guarantee	Security address above Commercial property	Complex Security (i.e. layered structures, cross company guarantees)
3 or less mortgaged buy to let and holiday let properties in portfolio	4-8 mortgaged buy to let or holiday let properties in portfolio	9 or more mortgaged buy to let or holiday let properties in portfolio
	HM Land registry includes more than one letting unit on the title up to 3 letting units Max.	Real Estate property developers

When determining the total number of properties, include mortgages where the borrowing is structured through a limited company entity if the customer has provided a personal guarantee of 50% or more of the loan amount or the loan is in personal names.

Where the borrowing is through a limited company and no guarantee has been provided or the guarantee is less than 50%, the mortgage should not be included in the property count.