Larger Loans

Larger Loans delivers Quantum Mortgages’ highest-value buy-to-let lending, tailored for experienced investors and SPV-backed portfolios.

Interest Rates

Rate Type

Arrangement Fee

Up to 65% LTV

Up to 75% LTV

Reversion Rate

ERC

5 Year Fixed

1.99%

8.60%

8.60%

BBR + 4.5%

5/4/3/2/1%

5 Year Fixed Special

4.99%

8.00%

8.00%

BBR + 4.5%

5/4/3/2/1%

Ex Pats & Foreign Nationals

1.99%

N/A

8.60%

BBR + 4.5%

5/4/3/2/1%

Maximum Loan by Property Type

Maximum Loan by property Type

Up to 65% LTV

Up to 75% LTV

Notes

Standard Single Unit Houses & Flats

£5 Million

£5 Million

Min 85 years remaining on leaseholds at end of term

HMO & Multi Unit Freehold Blocks

£5 Million

£5 Million

No maximum rooms on HMO

No maximum units on MUFB

New Build Houses & Flats

£5 Million

N/A

Min 85 years remaining on leaseholds at end of term

Flats over commercial units

£4 Million

N/A

Above food & alcohol sales restricted to 65% LTV

Ex Local Authority Houses & Flats

(Min 25% of block/area privately owned)

£2 Million

N/A

Max 5 floors on Flats

(no deck access)

Semi Commercial Units

(Min 60% Residential)

Up to 60% LTV, Maximum Loan £5 Million

Larger Loans Specific Criteria

ICR Requirements
  • 125% for Limited Companies and lower rate tax payers. 145% for higher / additional rate taxpayers.
  • ICR Assessment using payrate. Rental value of residential units only used for calculation.
  • Background portfolio (=+4 properties) to exceed 100% coverage at 6%.

Loan size
  • Minimum: £1,500,000. Maximum loan as per property type above. Fees can be added over LTV limit.

Landlord Experience
  • Must own at least 1 investment property.

Property Types
  • Standard construction and immediately lettable. HMOs to have relevant licence on completion.
  • Usage class to be either C3, C4 or sui generis with no restrictive covenants.
  • Flats with a minimum of 25 SQM (unless part of a MUFB where there is no minimum)

Lending Area
  • Mainland England & Wales

Tenancies
  • Standard AST or common law tenancy up to 36 months including shared houses. Corporate lets up to 5 years.
  • Rental demand to be at least stable.

Min / Max Age
  • Minimum age 18. Maximum age 95 and end of term.

Minimum Income
  • No minimum income

Max Borrow Exposure
  • £10 Million per borrower.

Property Exposure
  • Maximum 20% of any block.

Credit Profile
  • Up to £2500 of satisfied CCJs in past 24 months. Max 1 missed mortgage/loan payment or default in last 24 months (0 in 12). Satisfied CCJs, Defaults or missed payments over 24 months ago can be disregarded.

Limited Companies
  • Must be a non-trading SPV with sic code 68100, 68201, 68209 or 68320.
  • Combined shareholding of 100% to be included on application.
  • All applicants to provide a Personal Guarantee.

Solicitor Information

All solicitors must meet the following criteria or be approved by the credit committee:

  • Be authorised and regulated by the Solicitors Regulation Authority and registered with the Law Society
  • Hold a relevant accreditation
  • Have at least 3 SRA registered Managers in the practice

Product guide 13/03/2026 v88

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