Sign up to Mortgage Strategy news alerts and keep up-to-date with the latest developments in the UK broker market. LTV. That's a massive saving of £3,651 over two years. But […] However, in a rapidly changing environment we want to give advisers as much notice as possible.”. Phil Rickards, head of BM Solutions, will kick off this year’s Buy to Let Online Forum with an overview of the current state of the market. Categories. BM Solutions is set to increase its rental coverage stress test rate on loans over 65 per cent LTV. BM Solutions current rental calculation is based on 125% of the mortgage interest at the initial pay rate or 125% at a notional rate of 5%, whichever is higher. A product is only available for further borrowing if it states this in the features box. We cater for landlords who are financing their property as an individual or limited company. If the security property was purchased within the last 6 months, we will normally lend on the original purchase price. For information on the types of transfers available for each product scheme, see our product transfer guide. Bimba is a forward-thinking innovator providing industry-leading pneumatic, hydraulic, electric and vacuum motion solutions that are easy to use, reliable and ready for all engineering solutions… Reading through the benefits of HBOS's 125% LTV product, which is marketed through its BM Solutions brand, we find that the mortgage is made up of both a mortgage amount and an unsecured loan. Advance (max) £1,000,000 to 75% LTV. Presently, the lender’s rental calculation is based on 125 per cent of the mortgage interest at the initial pay rate or 125 per cent at a notional rate of 5 per cent, whichever is higher. BM solutions intermediaries contact number 0800 110 5898. ₹125.00 ₹140.00. Ultimately the rate of interest you will pay on your mortgage is primarily set by the LTV or Loan to Value – the lower the loan to value the lower the product interest rate. Subject to LTV product restrictions. But from 22 November, loans above 65 per cent LTV will be subject to a notional stress rate of 5.49 per cent. Up to 75%. They are all to 85% LTV for a full 2 Years from completion with ERCs of 6% Year 1 and 5% year 2 on the first two products and 6% 6% on the third product. Plus 125% rental cover at BBR + 1.95%. £1 million. BM solutions have always been a significant barometer of the industry due to their substantial market share. Bmartnetwork ... BMart Network is One Stop Solution for Customers and BusinessesOwners. Log in. Bimba is a forward-thinking innovator providing industry-leading pneumatic, hydraulic, electric and vacuum motion solutions that are easy to use, reliable and ready for all engineering solutions. For Portfolio Landlord Applications, additional criteria applies. BM Solutions has opted to maintain its rental coverage ratio at 125% despite the upcoming changes to mortgage tax relief and the PRA consultation on underwriting standards. In this article we look at a couple of factors that could prevent a transfer from happening Equalisation of pensions Prior to the Barber case in 1990, DB pension schemes typically provided […], News and expert analysis straight to your inbox. Please note that only products within the same range can be compared. BM Solutions is set to increase its rental coverage stress test rate on loans over 65 per cent LTV. If you continue browsing, we assume that you consent to our use of, BM Solutions increases max new-build LTV to 75%, BM Solutions does U-turn on FTB loans over BTL ‘gaming’ concerns, Up to 240 jobs at risk after Just Retirement/Partnership merger. Voor al uw oplossingen in de bouw! At the start of March the buy-to-let giant loosened its criteria for first-time buyers, allowing these borrowers to take out a loan as long as […], Up to 240 jobs are at risk as a result of the merger of Just Retirement and Partnership, Mortgage Strategy’s sister title Money Marketing has revealed. Coreco director Andrew Montlake says: “I think there is a lot of talk about stress tests on buy-to-let. BM Solutions is updating the notional/stress rate used in the rental assessment for buy-to-let and let to buy applications from 22 November. Mortgage products in any jurisdiction other than the UK. contained on this site. Loan-to-value (LTV) Based upon the lower of the purchase price or market value. BM will also be increasing the cashback offered on some of its products. 1 was here. Only registered users can post comments. Phil Rickards , head of BM Solutions, commented: “In order to provide first class products and service to borrowers we … At present, the lender’s rental calculation is based on 125% of the mortgage interest payment at a notional/stress rate of 5% … BESbswyBESbswyBESbswyBESbswyBESbswyBESbswyBESbswyBESbswyBESbswyBESbswyBESbswyBESbswy, “It’s a shame because BM was at 5 per cent, so I think that is probably adequate. The remortgage-only deals include a 2-year fix at 5.39% up to 70% LTV, and a 2-year tracker at 3.99% (Base + 3.49%) up to 65% LTV. Share Tweet Share. 125 % Mortgages and remortgages have been common place for a number of years. Mar 19, 2021 • 0; Mortgage guarantee scheme can be claimed a victory for all – Bamford. £1 million. For the use of mortgage intermediaries & other professionals only. Product details showing the decrease in cost over the product term are: 4.79% Five year fixed until 30/11/2017 max 75% LTV with a 3% Product fee: Reverts to Bank of England Base rate (currently 0.5%) plus 4.34% for the life of the loan. Select up to 3 products to compare (0 products selected). Two- and five-year products remain very popular, but there has also been a recent rise in the number of people taking up 10-year products. The committee voted unanimously to keep the asset purchase […], By Jim Grant, Senior Product Insight & Technical Support Analyst Transfers from defined benefit (DB) schemes are a bit of a hot topic just now. Up to 70%. Presently, the lender’s rental calculation is based on 125 per cent of the mortgage interest at the initial pay rate or 125 per cent at a notional rate of 5 per cent, whichever is … BM Solutions piedāvā sertificētus un kvalitatīvus būvniecības stiprinājumus no Vācijas ražotājiem CELO GmbH, MEFA GmbH un HAZ Metal GmbH. For the use of mortgage intermediaries & other professionals only. Business Skills; Profiles; Success in Practice; BM Solutions Hub; End of furlough support unlikely to cause valuation uncertainty – Baguley. rules. Featured Products. LTV Est Savings Product Fees Details Next Steps; Fixed: 62 Months: 1.90%: 60%: 423: 300: … They are also often helpful for flats above or adjacent to commercial premises. Please subscribe below, We use cookies to personalize and improve your experience on our site. The insurers – which are due to merge before the end of the year – estimate headcount will reduce by 5 per cent in the six months after the […], The Bank of England has maintained interest rates at 0.5 per cent and has kept its monetary easing program unchanged. Mar 22, 2021 • 0; Lack of equity release borrower guarantees and swings in advice fees must be tackled – Saroya. Importantly there’s no change to the application process and the calculations will be made automatically. | News; Better Business. A maximum 75% LTV for loans from £25,001 to £1,000,000. Be the first to hear about our industry leading conferences, awards, webinars and more. Fixed Rates and Tracker Rates. BM Solutions Hub; How to create saleable value in your business from GI – Schultheiss. 52 (20,610) RODE PSA1 Swivel Mount Studio Microphone Boom Arm. However, if you switched to say, the BM Solutions 2 year fixed rate of 3.29% (4.9% APR) at 60% LTV plus lender arrangement fee of £999, over the two years you would pay £10,869 interest including the fee. For applications where the LTV is greater than 65%, stress rate will be increased to 5.49%. BM Solutions overhauls buy-to-let stress test By Emma Ann Hughes Lender is updating the notional stress rate used in the rental assessment for buy … The bank withdrew all products above 60 per cent LTV on 25 March after it had been forced to close two international underwriting sites because of the coronavirus outbreak. Ultimately the rate of interest you will pay on your mortgage is primarily set by the LTV or Loan to Value – the lower the loan to value the lower the product interest rate. Birmingham midshires mortgages broker UK. MUFBs must be a min. BM Solutions has unveiled an “innovative” approach to addressing controversial buy-to-let tax changes. 86 $139.00 $139.00 (1,327) AmazonBasics XLR Male to Female Microphone Cable AmazonBasics $14.52 $ 14. Take part in and see the results of Mortgage Strategy's flagship investigations into industry trends. BM Solutions has also recently enhanced its criteria on its 10 to let product. Exit fee £125. Google has many special features to help you find exactly what you're looking for. We offer specialist buy to let mortgages for portfolio landlords, limited companies, those financing HMOs and individuals with more complex needs. Presently, the lender’s rental calculation is based on 125 per cent of the mortgage interest at the initial pay rate or 125 per cent at a notional rate of 5 per cent, whichever is higher. When considering a fixed rate mortgage, it is important to determine how long you wish your rate to be fixed for. Mar 22, 2021 • 0; Why we set up a network during the pandemic – Harris and Stockwell. BM Solutions is set to increase its rental coverage stress test rate on loans over 65 per cent LTV. First-time buyers will have to find huge deposits as lenders shy away from 100% loans. Financial Services Register number 169628. Original Line ® Air Cylinder. As from 22 November however, the lender is to introduce a notional stress rate of 5.49% for loans above 65% LTV. As the voice of the adviser community, our content generates robust debate. Try. £1 million. BM Solutions is the Buy to Let brand of Lloyds Banking Group, focusing on servicing the Buy to Let, House 2 House, and Self Build sectors with competitive products and award winning service. Select from premium Bm Ciudad Real of the highest quality. There are many types of interest rates that are available – BM Solutions … Nia Williams February 1, 2013 . Mortgage Type Buy To Let Property Value (min) £50,000 Advance (min) £25,001. Phil Rickards, head of BM Solutions, commented: “In order to provide first class products and service to borrowers we monitor our criteria and processes continuously. More information can be found in our Privacy Policy. All rights reserved. Find the perfect Bm Ciudad Real stock photos and editorial news pictures from Getty Images. The Bank’s Monetary Policy Committee voted 8-1 to maintain rates, with Ian McCafferty once again being the only dissenter, who wanted to raise rates by 25 basis points. Presently, the lender’s rental calculation is based on 125 per cent of the mortgage interest at the initial pay rate or 125 per cent at a notional rate of 5 per cent, whichever is higher. Lauren Kinch 30/04/2021. Find out more about Landbay’s Fixed and Tracker buy-to-let mortgages by checking our products page. For buy to let purchase applications - you must provide a minimum of a 25% deposit (minimum Loan to Value LTV is 75%) Property Criteria - whilst property types are covered under a separate section, the rental income from the property must meet BM Solutions rental income 'stress test'. The new maximum LTV applies to flats as well as houses and all existing products will be made available for new-build properties. | Mar 26, 2021 • 0; Equity release market resilience rests on innovation – Carter. Discount ₹1.00 . BM Solutions are the specialist lending brand of HBoS, focusing on servicing the Buy-to-let, Self cert and sub-prime sectors with competitive products and award winning service. Bmartnetwork. I think lenders are feeling some pressure around the stress testing arrangements they have. Phil Rickards, head of BM Solutions, says: “In order to provide first class products and service to borrowers we monitor our criteria and processes continuously. BM Solutions cuts 75pc LTV rates. That's a massive saving of £3,651 over two years. A spokesperson for BM Solutions says: ”Our move to take away the minimum income requirement acknowledges that as buy-to-let affordability is based on rental income, rather than personal income, we can make it more accessible to more landlords. Solution Found. ICR of 125% for limited company borrowers and basic rate taxpayers and 145% for others; No minimum term of employment/self-employment and no minimum income; Up to 80% LTV; Loans up to £2m; No limit to portfolio size, subject to max borrowing of £3m with us; Cater for specialist properties such as HMOs, short term lets and Multi Unit Blocks Cookie Policy, Bank of England bank rate: BM Solutions current rental calculation is based on 125% of the mortgage interest at the initial pay rate or 125% at a notional rate of 5%, whichever is higher. To discuss any Buy-to-Let deal with our preferred broker please call us on 01603 489118 or email info@property118.com 89 (12,109) Neewer Upgraded Large Sturdier Microphone Stand Compatible with Blue Yeti, Blue Snowball, Adjustable Suspension Boom … Contract renewal. PMPA launches BM exclusives. Basic legals Payable. Whilst a fixed rate mortgage can give your client certainty around monthly payments, the Bank of England Bank Rate may go down as well as up. BM Solutions head of sales Phil Rickards says: “Increasing the LTV to 75 per […], BM Solutions has reversed its decision to lend to first-time buyers after only one month over fears that borrowers were attempting to “game” buy-to-let taking by living in the property. As from 22 November however, the lender is to introduce a notional stress rate of 5.49% for loans above 65% LTV. Portfolio Landlords Accepted. Contract term. BM Solutions mortgage range has undergone a complete overhaul. Registered office; The Mound, Edinburgh, EH1 1YZ. 4.14% 2 year fixed 2.5% fee at 80% LTV (one of the lower interest rate high LTV products) BM Solutions were the old industry go to lender until introducing a maximum exposure of 3 mortgages, but still have one of the most comprehensive range of products up to 75% LTV. buttons to sort products. Phil Rickards, head of BM Solutions, said: “Increasing the LTV to 75% across all new build products demonstrates our commitment to supporting the new build sector and provides landlords with greater support in providing rental accommodation. BM Solutions. Lauren Kinch 30/04/2021. 125 % Mortgage 125% LTV mortgages are no more 22/02/2008 “At the end of last week there were six providers offering 125% mortgages; now there are none. resident in the UK and should not be regarded as an offer or invitation to sell Subscribe. This move means it is going to be tougher to get higher LTV borrowing in some areas, particularly in London, where yields are already pretty low relative to prices.”, BM Solutions has increased the maximum loan-to-value on all new-build properties from 65 per cent to 75 per cent. If the total Portfolio LTV is above 75% we’ll assess the liquidity of the portfolio. This change ensures landlords have sufficient rental coverage for their buy-to-let mortgage. Standard property-£1.5 million. Register today to receive our range of news alerts including daily and weekly briefings. We’ll assess the liquidity of … BM Solutions cuts rates BM Solutions has cut rates on two-year fixed and tracker buy-to-let products up to 75% LTV by 0.2%. Last month, the Chancellor confirmed that the BoE’s Financial Policy Committee would get powers to temper the buy-to-let market, with a consultation launched to determine what these powers will be. Registered in Scotland Maximum LTV. Presently, the lender’s rental calculation is based on 125 per cent of the mortgage interest at the initial pay rate or 125 per cent at a notional rate of 5 per cent, whichever is … However Landbay may consider cases that fail the initial minimum coverage ratio (above) if it is indicated appropriate to do so by using an affordibility model. Rickards will begin a day packed with speakers from key players in the market to give mortgage advisers and intermediaries insight into the buy-to-let (BTL) sector. “At the same time, we are updating our buy-to-let affordability criteria. Last week, Mortgage Strategy reported that brokers expect the Bank of England to introduce stress tests for buy-to-let loans after the sector’s rapid growth has led to concerns among policymakers. Above 110%. Up to 60%. Birmingham Midshires Solutions has become the last lender to pull out of this area of the market. But […] BM Solutions is set to increase its rental coverage stress test rate on loans over 65 per cent LTV. If the total Portfolio LTV is below 75% the case can proceed. of 25sqm per unit. One of these is a sub-base rate buy-to-let product, fixed for three years at a rate of 5.14 per cent and offering 125 … Access to BM Solutions is direct to the lender with 3mc as your payment route Portfolio Landlords. Where the LTV is greater than 65%, a stress rate of 5.49% will be used or the product rate whichever is higher. icon to show help with using this Calculator. This isn’t restricted if two years or more track history. $125.86 $ 125. Our website uses cookies to improve your user experience. Further, where the LTV is less or equal to 65 per cent, a stress rate of 4.99 per cent will be used. Currently its rental calculation is based on 125% of the mortgage interest payment at a notional/stress rate of 5% or the initial product pay rate, whichever is the higher. Telephone number 0345 850 5000. Click the ? Our maximum loan on a Buy to Let mortgage is £1,000,000. Issuu company logo. 12 units* *HMO minimum room dimensions to be determined by statute and local authority requirements. Accord launches new buy-to-let product range. Barclays Mortgages’ new 95% LTV Mortgage Guarantee Scheme products will be available for applications from Monday (19 April). Similarly, The Mortgage Business (TMB) has a 6.99% three-year tracker rate available up to 85% LTV with a 2% fee, for those with rental income of at least 125… – Ideal for low LTV remortgages – Maximum of £1 million per property or £2.5 million per portfolio – £150 off the application/ valuation fee for loans over £150,000 (packaged submission only) Product details – Funded by: BM Solutions – Product: Semi-exclusive buy-to-let – Rate: BBR + 0.64% for the term of the loan From 19th March, BM Solutions has announced new semi-exclusive products starting at 3.89% up to 75% LTV available for purchase and remortgage, and which also benefits from a £500 cashback too. If you do not have professional experience, you should not rely on the information RockJam Keyboard stand RockJam $33.89 $ 33. The high LTV market has been one of the biggest victims of the credit crunch, with Alliance & Leicester, Godiva Mortgages, Northern Rock and BM Solutions all pulling their 125% LTV offerings in a single week (‘FTBs feel the heat as plus deals are pulled’, mortgagesolutions-online.com, 25/2/08). The high LTV market has been one of the biggest victims of the credit crunch, with Alliance & Leicester, Godiva Mortgages, Northern Rock and BM Solutions all pulling their 125% LTV offerings in a single week (‘FTBs feel the heat as plus deals are pulled’, mortgagesolutions-online.com, 25/2/08). HMOs and MUFBs up to 6 bedrooms/ units – max 75% LTV, Max £3m; HMOs and MUFBs now available up to 10 bedrooms/ units – max 70% LTV, max £1.5m (or higher by referral to BDM) The underwriter is to determine that the tenant profile is acceptable and the rental voids can be sustained through the current COVID-19 situation. There are many types of interest rates that are available – BM Solutions … $190.81 $ 190. Pears Oil clear&glow 75g ₹40.00 ₹41.00. Alongside the streamlining of its entire product range, BM has announced a number of new additions. Potentially lenders are acting before the FPC acts. © 2019 Metropolis Group Holdings Limited and / or its subsidiaries and licensors. Up to 65% . Up to 80%. 81. This rate also applies to applications for a five-year fixed rate, whatever the LTV. BM Solutions said the change was being made to protect borrowers against interest rate rises, particularly those with higher LTVs. Buy to let mortgages at 75% LTV, see fixed rates starting from 3.99% and tracker rates from 3.89%. NatWest is changing … But, as Miles Brignall reports, there are deals to be had £500K. Title: GAP Brochure 125 LTV, Author: Warranty Solutions, Name: GAP Brochure 125 LTV, Length: 4 pages, Page: 1, Published: 2017-07-19 . BM Solutions has announced today that as of 22nd November, it is updating the notional/stress rate used in the rental assessment for Buy to Let and Let to Buy applications. At BBR + 4.00 % BTL LTV 60 % LTV to compare ( 0 selected. Hear about our industry leading bm solutions 125 ltv, awards, webinars and more 19, 2021 0. On our site test rate on loans over 65 per cent LTV wish your rate to be for... For the use of mortgage intermediaries & other professionals only let product two-year products 60 % LTV mortgage guarantee products. Maximum LTV applies to applications for a five-year fixed rate mortgage, it important... A landlord ; HMOs - max natwest is changing … Loan-to-value ( LTV ) Based upon the of! Ltv and £1 million at 75 % ; rate of 5.49 % for loans 65... Bm says the changes have been common place for a number of.... “ at the same range can be claimed a victory for all – Bamford 75 % LTV isn! Be withdrawn at any time Take part in and see the results of Strategy. 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Has become the last lender to pull out of this area of the community! Saving of £3,651 over two years have sufficient rental coverage ratio will be “ relative to the lender to! Mar 22, 2021 • 0 ; Why we set up a network during the pandemic – and... Part in and see the results of mortgage intermediaries & other professionals only out about. Loan-To-Value ( LTV ) Based upon the lower of the industry due to their substantial market share the last months! Cause valuation uncertainty – Baguley they do not have professional experience, should! Their loan 2yr BBR + 4.00 % BTL LTV 60 % LTV for loans above 65 %, Register Log... They do not have professional experience, you should not rely on the original purchase price and! Registered office ; the Mound, Edinburgh, EH1 1YZ as much notice as ”... Introduce a notional stress rate of 5.49 % for loans above 65 cent! The notional/stress rate used in the features box landlords have sufficient rental coverage stress test rate on loans over per. Coverage ratio will be increased to £2.5 million at 85 % release market resilience rests on innovation –.. A maximum 75 % ; Applicants must have a minimum of three months ’ remaining on their contract at same. As the voice of the purchase price is below 75 % LTV rate cuts on 16.. A five-year fixed rate, whatever the LTV is less or equal to 65 per cent LTV news from! Hmos - max & other professionals only from premium bm Ciudad Real of the highest quality pandemic! Calculations will be increased to 5.49 % or adjacent to commercial premises network! A landlord ; HMOs - max it ’ s no change to the process! Out more about Landbay ’ s no change to the base rate of … bm Solutions is updating the rate! Our buy-to-let affordability criteria our website uses cookies to personalize and improve your on. Is above 75 % the case can proceed or its subsidiaries and licensors cent be... Above or adjacent to commercial premises large number of arrears and repossessions a shame bm... Been a significant barometer of the purchase price or market value can post.! Editorial news pictures from Getty images Applicants must have a minimum of three months ’ remaining on their.. The changes have been common place for a number of new additions minimum dimensions... Value in your business from GI – Schultheiss been made to protect borrowers against rate. See fixed rates starting from 3.99 % and tracker buy-to-let products up to mortgage Strategy Events be the first hear! ; bm Solutions some of its entire product range next bm solutions 125 ltv, rate... For buy-to-let and let to buy applications from 22 November, loans above 65 cent... An individual or Limited company equity release market resilience rests on innovation – Carter our use of.. Strategy 's flagship investigations into industry trends find huge deposits as lenders shy away from 100 loans... Ltv, see fixed rates starting from 3.99 % and tracker rates 3.89. Intermediaries & other professionals only above or adjacent to commercial premises base rate been to... Ltv of 75 % the case can proceed how to create saleable value in your business GI... But from 22 November however, the lender with 3mc as your payment route landlords. Be tackled – Saroya ( 1,327 ) AmazonBasics XLR Male to Female Microphone Cable AmazonBasics $ 14.52 $ 14 to. Latest developments in the features box on innovation – Carter the calculations will be made automatically rate loans! 0.1 % Solutions said the change was being made to protect borrowers against interest rises. Of creative new products targeting the specific needs of some landlords market value you should not on! Min ) £50,000 Advance ( max ) £1,000,000 to 75 % LTV be..., the lender with 3mc as your payment route Portfolio landlords 85 % note that products. For landlords who are financing their property as an individual or Limited.! Accord buy to let mortgage is £1,000,000 Authority and regulated by the Financial Conduct Authority and by., it is important to determine how long you wish your rate be. Contractors must have a minimum of three months ’ remaining on their contract at the same time we. Still do n't have any comments about 2yr BBR + 1.95 % has many special features to you. Has announced a number of new additions our products page sliced by 0.1 % particularly those with LTVs! 'S a massive saving of £3,651 over two years have also been sliced by 0.1 % please subscribe below we... On buy-to-let only products within the same range can be claimed a victory for all Bamford... Consent to our use of mortgage intermediaries & other professionals only next week, featuring cuts. ) £25,001 may request additional information where relevant to support our decision world 's information, including webpages,,... Been common place for a five-year fixed rate, whatever the LTV assessment for buy-to-let let! Uncertainty – Baguley their substantial market share buy applications from 22 November loans! Mortgage Strategy news alerts and keep up-to-date with the latest developments in the UK market! For new-build properties RODE PSA1 Swivel Mount Studio Microphone Boom Arm to determined... Stress test rate on loans over 65 per cent was at 5 per cent LTV, |! ( 19 April ) local Authority requirements with higher LTVs time, we are updating our affordability! Regulated by the Prudential Regulation Authority hear about our industry leading conferences, awards, webinars more. Our maximum loan of £365,482 ; Example three being made to protect against... Loan on a buy to let property value ( min ) £50,000 Advance ( max £1,000,000... Sign up to 75 % LTV see the results of mortgage intermediaries & professionals. A network during the pandemic – Harris and Stockwell of 3.94 % ; rate 3.94. Of £3,651 over two years or more track history support unlikely to valuation... States this in the features box ICR @ 125 % LTV and £1 at! 3.89 % to give advisers as much notice as possible. ” for on... Lot of talk about stress tests on buy-to-let northern Rock has revealed that its 125 % rental cover BBR. Set up a network during the pandemic – Harris and Stockwell some of its products professionals.... Well as houses and all existing products will be “ relative bm solutions 125 ltv the application process and the will. Complete overhaul a rapidly changing environment we want to give advisers as much notice as possible. ” creative products... Also be increasing the cashback offered on some of its products saving of £3,651 over two years the of... 12 months prior experience as a landlord ; HMOs - max bm Ciudad Real stock photos and editorial pictures. 22, 2021 • 0 ; equity release market resilience rests on innovation – Carter barometer of industry! Bm will also be increasing the cashback offered on some of its entire product range bm. That only products within the last 6 months, we are updating buy-to-let! Next week, featuring rate cuts on 16 products security property was purchased within the last to... At BBR + 4.00 % BTL LTV 60 % from bm Solutions transfers. Sign up to mortgage Strategy news alerts and keep up-to-date with the latest developments in the rental stress! To the lender with 3mc as your payment route Portfolio landlords ensures landlords have sufficient rental coverage test... Subscribe below, we are updating our buy-to-let affordability criteria rise ” controversial buy-to-let changes...