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Buy To Let (BTL) Property Finance 

Available up to 80%

Initial Rental Rate starting at 5.75%

Early Payment Charge = £0 

Fees

Broker Fee starting at £500 

Bank Application Fee = 1% to 1.5% 

The application fee is payable on completion and deducted from the finance amount. 

Valuation Fees and Legal Fees will also apply. 

An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. 

Fees and charges cannot be added to the finance amount. 

Property types include:

Residential with single ASTs

Residential portfolios

Residential with Multiple Occupation (HMO)

Multi Unit Residential Buildings (properties with multiple flats)

Purpose built student accommodation

Applicant types include:

Individuals

Partnerships

Limited Liability Partnership (LLP)

Private Limited companies (LTD) including

Special Purpose Vehicle (SPV)

Finance Amount

Minimum finance amount £60,000 

Maximum finance amount £5m - for higher amounts please contact us.

Maximum Finance to Value (FTV)

Purchase 80% 

Refinance 80% 

For finance exceeding £1m, max FTV is 70% 

Please note the minimum property value required is £80,000 and it must be located in England and Wales.

Finance Terms 

Minimum term 5 years

Maximum term 30 years

Product Types 

Rent Only (Co-ownership with a Lease)

Rent & Acquisition (Co-ownership with a Lease)

Profit Only (Commodity Murabaha)

Islamic Commercial Property Finance

Available up to 65% (70% may be possible for very strong cases and prime locations). 

Initial Profit Rate as low as 5.5% 

Early Payment Charge = £0 

Purpose 

This product offers an alternative to conventional commercial loans for those who wish to purchase their commercial property, switch their mortgage or raise capital from the equity for for Commercial Investment, Semi-Commercial and Owner-Occupied purposes, for both UK residents/entities and UK Expat/International residents. 

Property types include: 

Office

Industrial

Warehousing

Retail

Retail with attached living accommodation

Purpose built student accommodation 

 Applicant types include:

Individuals

Partnerships

Limited Liability Partnership (LLP)

Private Limited companies (LTD) including

Special Purpose Vehicle (SPV) 

Fees

Broker Fee = ¼% to ½% 

Application Fee = typically 1% to 2% of finance amount. 

The application fee is payable on completion and deducted from the finance amount though a part payment maybe requested earlier. 

Valuation Fees and Legal Fees will also apply. 

An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. 

Fees and charges cannot be added to the finance amount. 

Finance Amount

Minimum finance amount £200,000 

Maximum finance amount £5m - for higher amounts please contact us. 

Maximum Finance to Value (FTV)

Purchase 65% to 70% (dependant on location)

Refinance 65% to 70% (dependant on location)

Please note the minimum property value required is £750,000 and must be located in England and Wales. 

Finance Terms

Minimum term 3 years 

Maximum term 20 years*

*currently the maximum term may be restricted to 3 years

 Product Types

Profit Only and Amortisation (Profit and repayment) 

Islamic Home Purchase Plans 

Islamic Mortgages or Halal Mortgages (we don’t like these terms)

Available up to 90%. 

Initial Rental Rate as low as 5.5% 

Early Payment Charge starting at £0

Purpose

This product offers an alternative to conventional mortgages for those who wish to buy their home to live in, switch their mortgage or release some equity for other needs in a shariah compliant manner. It is for the customers own home or family occupation. 

Fees

Application Fee = typically £499 

The application fee is payable on completion and deducted from the finance amount though a part payment maybe requested earlier. 

Valuation Fees and Legal Fees will also apply. 

An Account Settlement Fee is also payable at the end of the finance plan or on earlier settlement. 

Fees and charges cannot be added to the finance amount.

Finance Amount

Minimum finance amount £50,000 

Maximum finance amount £5m - for higher amounts please contact us. 

Maximum Finance to Value (FTV)

Purchase 90% 

Refinance 90% 

For finance exceeding £1m, max FTV is 70% 

Please note the minimum property value required is £50,000 and it must be located in England and Wales.

Finance Terms

Minimum term 5 years 

Maximum term 30 years

Product Types

Rent Only 

Rent & Acquisition