UTB helps portfolio landlord with a challenging 4 bed HMO purchase

Why UTB?Short lease (61 years remaining) and above commercial but accessed via flat roof deck at the rear.
PropertySpecialist
Loan amount£220,400
Key Features4 bed HMO purchase
75% LTV
SPV – 3 directors/shareholders
Portfolio landlords
App to offer 35 days

When a portfolio landlord needed fast, flexible support on a 4 bed HMO purchase, UTB proved exactly why brokers trust us with their most challenging cases. Despite a short 61 year lease and the property being situated above commercial premises with access via a flat roof deck, our team assessed the case with specialist insight.

We provided a Specialist Buy-to-Let product at 75% LTV, supporting an SPV structure with three directors/shareholders – all handled smoothly thanks to our experienced underwriting approach.

Most importantly, UTB moved at pace: the application progressed from app to offer in just 35 days, giving the clients confidence and certainty in a competitive market. This case highlights what UTB does best:

  • Specialist understanding of complex BTL and HMO scenarios
  • Flexible approach to short leases and mixed use exposures
  • Support for portfolio landlords and SPVs
  • Swift, pragmatic underwriting to meet tight purchase deadlines

UTB delivering the speed, expertise and reliability brokers and landlords need to get deals done.

***FOR PROFESSIONAL INTERMEDIARIES ONLY***