Mortgage:

Provident Homes Ltd will help you structure your finance. Whether your strategy is maximizing yield or buying for equity growth, we will find the best mortgage to suit your needs.

Most Buy to Let lenders will typically lend up to 85% or 90% of purchase price or valuation whichever is lower on purchases, and to valuation on a re-mortgage. Most lenders use rental income as the determining factor and all lenders have different calculations as to what rental they use to determine the maximum borrowing.

Provident Homes Ltd  Buy to Let Mortgages to cover all circumstances for our investors and clients. We can source the best buy to let rates with the best rental coverage to achieve maximum borrowings. We can also work with lenders who offer the following criteria 

• Letting's agent letter as rental proof 
• Up to 15% gifted deposits accepted by lender and maximum borrowing 85% ITV 
• Non standard construction properties 
• Low rental yields 
• Adverse credit 
• No minimum term mortgages 
• Multi – let properties 
• Student lets 
• Houses of multiple occupancy 
• Flats above commercial buildings

Provident Homes Ltd package mortgages and can thus offer a speedy and efficient service for clients. We have our own in-house underwriter and processing team and can offer you updates as to where your case currently is, including anticipated offer dates. 

We work closely with solicitors to ensure fast completion and will help make your buy to let purchase as smooth and easy as possible.