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Yesterday, 11.44 am That's very interesting. Thank you. 
Yesterday, 9.34 am 95%, they take up to 5 defaults in 24 months, 3 CCJ in 24 months, 1 misssed mortgage payment in 12 months, ignore unsecured missed payments. They do score, but their scoring is pretty flexible.  The one I did with them had quite a bit a adverse and it was actually quite easy to do, they didn&...
Yesterday, 9.12 am That is strange. Thanks for that info though. 
Yesterday, 8.59 am I did one a while back with them that had quite a bit of adverse, so assume it is still available. It has to be 95% exactly, you can't do 94% (strange as it sounds), my client had a 8% deposit but we could only use 5% for the product, it declined at 8%. 
Yesterday, 8.55 am For this sort of thing I refer to a specialist, whose main focus is Ex-Pat stuff They have a decent little tool on their website, you input the necessary data, it tells you how many lending options there might be. Then fire in a referral to them to arrange https://www.whamortgageservices.co.u...
Yesterday, 8.22 am Thank you. Wow, I didn't think any lender would lend @ 95% LTV with ANY type of adverse (every day is a school day). 
Friday, 10.26 pm Precise might fir on their 95% deal
Friday, 10.22 pm I’m always careful with remo clients and tell them there may be some costs. Then they ask me how much and i can’t tell them which makes me sound so dodgy. 
Friday, 8.08 pm Yes, I forgot about the saying re the impossible and miracles, but fitting :) Re your question, it sounds to me that it's more rental with limited self-usage rather than the other way around. Thank you for the lender ideas, I'll check them out
Friday, 7.26 pm I thought Airbnb was only for people who lived in the property. Them being FTB and the property being above a shop also makes it more complicated. That said Together may be an option. 

Latest from the Provider/Adviser forums

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Friday, 10.53 am I started to explore other options when you cancelled applications during covid.      
Friday, 10.10 am Vida has further strengthened its intermediary proposition by increasing its Product Transfer procuration fee to 0.50%, alongside its market-leading 0.70% procuration fee on new business. The enhanced Product Transfer fee recognises the important role brokers play in supporting customers throughout...
Friday, 10.01 am Bridging Finance secured against Semi-Commercial or Mixed-Use properties is now as competitive as ever. For Purchase (including Auction), Refinance, Equity Release/ Cash-Flow and Light Refurb, amongst other business uses. Interest Rates from: 0.64% pcm up to 65% LTV0.69% pcm up to 70% LTV0.74% pcm...
Friday, 9.59 am Buy-to-let lender, Landbay, has today (13th November 2026) announced further price reductions across its Premier range, with rate cuts of up to 15 basis points (bps) on a wide selection of two- and five-year fixed-rate products, available at 75% LTV. Premier is Landbay's range of standard buy-to-le...
Friday, 9.58 am The Mortgage Business Expo (MBE) London 2026 welcomed a record number of attendees to the Business Design Centre on 20th October, an increase of 5% on 2025, bringing together brokers, lenders and service providers from across the UK. Continuing its strong partnership with the Financial Intermediary...
Friday, 9.54 am Hampshire Trust Bank (HTB) has completed a £1.15m bridging capital raise for a new-to-bank overseas borrower, just six days after issuing its formal offer. The 12-month facility was secured against a property in Marylebone, London, providing the borrower with capital to support two planned au...
Friday, 7.27 am Two loans on two Dorset properties delivered within 7 days of enquiry, despite complex ownership structure TAB has provided two linked bridging facilities totalling £4.5 million to refinance existing debt secured against two commercial properties in Poole and Bournemouth. TAB has provided &p...
Thursday, 12.35 pm Accord has strengthened its intermediary sales team with the appointment of Hannah Parker, who joins the Midlands and South team as a business development manager (BDM). Hannah brings a wealth of knowledge of the intermediary market having previously worked as a BDM for Santander, Skipton and Clyde...
Thursday, 12.32 pm Darlington Building Society has strengthened its underwriting capabilities and broker support with the appointment of Leanne Arundell as Head of Underwriting. Leanne, who has been with the Society since March 2023, has been promoted to the position following her previous role as Lending Specialist ...
Thursday, 11.17 am Reductions of 0.20 percentage points also extend to self-employed borrowers and first-time buyers at 95% LTV Thursday 12th November 2026 Five-year buy-to-let fixes cut by 0.20 percentage points across standard, limited company and expat ranges, with flat arrangement fees on all these products S...

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13/11/2026 Vida increases Product Transfer proc fee to 0.5%, alongside market-leading 0.7% new business proc fee
13/11/2026 Mixed-Use Property Bridging Loans from 0.64% pcm
13/11/2026 Landbay announces further rate reductions across Premier buy-to-let range
13/11/2026 MBE London 2026 celebrates record attendance and sets sights on Leeds in 2027
13/11/2026 HTB completes £1.15m Marylebone bridge six days after offer
13/11/2026 TAB provides £4.5m to refinance commercial properties on south coast
12/11/2026 ACCORD STRENGTHENS BUSINESS DEVELOPMENT TEAM WITH MIDLANDS RECRUIT
12/11/2026 Darlington Building Society promotes Leanne Arundell to Head of Underwriting
12/11/2026 Saffron cuts rates across buy-to-let range, including expat and limited company mortgages
12/11/2026 Loans Warehouse promotes Greg Chase to Head of Bridging Sales

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