QML Pro is a more specialist range for properties and circumstances that do not fit the standard Quantum Mortgages criteria.
UK resident individuals and Ltd Co SPVs. HMO and MUFB properties up to 12 rooms/units, flats above or adjacent to commercial premises, semi-commercial properties, deck access flats, studio flats below 30sqm and leasehold properties in Northern Ireland.
Interest Rates
|
Rate Type |
Arrangement Fee |
Up to 55% LTV |
Up to 70% LTV |
Reversion Rate |
ERC |
|
5 Year Fixed |
2.99%* |
8.24% |
8.44% |
BOE + 6% |
5/4/3/2/1% |
|
5 Year Fixed Ltd Edition |
5.25%** |
7.84% |
7.84% |
BOE + 6% |
5/4/3/2/1% |
*A minimum product fee of £2990 is applicable on all QML Pro loans under £100,000
** A minimum arrangement fee of £5250 is applicable on all QML Pro 5 Year Ltd Edition products
Maximum Loan
| QML Pro | Maximum Loan | Maximum Loan (by area) |
| 70% LTV | £1 Million | £1.25 Million |
QML Pro Specific Criteria
|
Minimum Loan |
£25,001 |
| Minimum Property Value | £70,000 |
| Maximum Loan | £750,000 (£1,000,000 within Southern Area postcodes) |
| Landlord Experience | At least one applicant must own 2 investment properties with a minimum of 1 year’s market experience. |
| Property Considered | • HMO, MUFB and student lets up to 12 rooms/units • Flats above or adjacent to commercial premises • Flats above/adjacent to food outlets or alcohol sales (maximum 70% LTV) • Deck access flats • Studio flats below 30sqm • Ex Local Authority developments with under 50% private ownership • Semi-commercial units (maximum 60% residential and 40% commercial use) • Ex Local Authority flats over 5 floors up to a maximum of 12 floors • Properties with Flying Freehold |
|
Lending Area |
England, Wales & Northern Ireland |
|
Solicitor Information |
All solicitors acting for Quantum Mortgages must meet the following criteria or be approved by the credit committee:
Quantum Mortgages are partnered with Movin Legal (conveyancing comparison portal). Register here. |
Product guide v95 23/09/2026