| Why UTB? | Short lease (61 years remaining) and above commercial but accessed via flat roof deck at the rear. |
| Property | Specialist |
| Loan amount | £220,400 |
| Key Features | 4 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***