Our service and turnaround times
Figures accurate as of 22nd June 2020
Dips Reviewed
within 24 hours
Applications Reviewed
within 96 hours
Documents Assessed
within 96 hours
Valuations Assessed
within 96 hours
Telephone average wait time
26 seconds
WE'VE PLAYED A BLINDER!
Shield your eyes, because our Lumi products are the brightest borrowing on the block! From bold rates to limited editions, just look for the Lumi logo. It's our way of shining a light on something special.
Buy To Let Product Guide
Buy-To-Let Product Rates
Our buy-to-let products cater for applicants with a variety of circumstances. Individuals, Ltd Companies and those wanting to purchase HMO/MUB, we roll out the red carpet to them all. Come in, the kettle is always on.
Key Facts
Max loan
£3 million max loan.
Income
No minimum earned income.
LTV
Up to 75% LTV for flats above commercial property.
Locations
We lend in Scotland as well as England and Wales.
Latest Updates
Valuations
20/05/2020
For England we are now instructing full valuations, for Scotland & Wales while the current government measures around Covid-19 are in place we will conduct a desktop valuation, where possible.
Range Updates
07/04/2020
We have made a range of changes to our BTL product range including the removal of the 80% LTV, check out our Product Guide to see a full list.
IMPORTANT UPDATE
03/04/2020
Our Buy to Let criteria is changing. New and existing pipeline cases will be subject to additional underwriting and we may require additional supporting information. Capital raising Remortgages cases may be limited and in some cases we will restrict the amount capital being raised. Contact the HUB to discuss new cases or Underwriting regarding existing applications
Download our product guide
Speak to a member of our team
Our service and turnaround times
Figures accurate as of 22nd June 2020
Dips Reviewed
within 24 hours
Applications Reviewed
within 96 hours
Documents Assessed
within 96 hours
Valuations Assessed
within 96 hours
Telephone average wait time
26 seconds
The Mortgage Lender Difference
Get in touch
There’s always someone here for you, all you have to do is holler and we’ll come running.
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