Residential Investment

For auction purchases / undervalue transactions. Portfolio restructure. Capital raising for further investments. First time landlords accepted to 65% LTV (no first time buyers). Minor cosmetic works only allowed during the loan term. Loans below £100,000 max LTV 70%.

LTV Band

LTV Band

Minimum gross loan

Maximum gross loan

Monthly Rate

Arrangement Fee

Proc Fee

Standard

<=65% Gross

(inc interest)

£50,000

£3,000,000

0.84%

(fixed)

2.25%

2.00%

>65% to 80% Gross

(inc interest)

£50,000

£3,000,000

0.95%

(fixed)

2.25%

2.00%

Low fee

<=65% Gross

(inc interest)

£50,000

£3,000,000

0.84%

(fixed)

1.50%

1.25%

>65% to 80% Gross

(inc interest)

£50,000

£3,000,000

0.95%

(fixed)

1.50%

1.25%

Residential Investment Criteria

Term

Minimum 3 months, maximum 24 months

Repayment

Interest retained for the loan term

Undervalue purchase

Acceptable up to 90% of Purchase Price / 70% LTV

Property Considered
  • Standard construction houses and flats
  • Non standard construction up to 60% of OMV
  • Ex Local authority flats up to 70% LTV, houses up to 75%
  • Ex Local Flats with deck access over 5 storeys up to 60% LTV
  • HMO and Multi Unit properties up to 12 units

Lending Area

England, Wales & Northern Ireland

Available to

UK Resident Individuals

Limited Company SPVs registered in England, Wales & Northern Ireland (must be registered with one of the following SIC codes – 68100, 68201, 68209, 68320)

Valuations

AVM:

Where an Automated Valuation Model (AVM) can be used, QML will complete the AVM:

  • AVMs can be used on standard construction single residential properties only in good condition;
  • Up to 70% LTV / £1m Gross Loan – confidence rating must be 4.0 or above.

Where an AVM cannot be used, a full valuation will need to be instructed through our panel of approved valuation partners. AVMs are not available in Northern Ireland.

Product guide: 08/12/2025 V11

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