Single Units

UK Resident Individuals & Ltd Co SPV, Single unit properties.

To qualify for this product, Applicant 1 is required to hold 1 existing BTL property, with a minimum of 1 yrs market experience.

Interest Rates

Rate Type	Arrangement Fee	Up to 65% LTV	Up to 75% LTV	Up to 80% LTV	Reversion Rate	ERC
2 Year Fixed	2.25%	6.24%	6.34%	6.64%	BOE + 4.5%	2/1%
5 Year Fixed	2.25%	6.24%	6.34%	6.64%	BOE + 4.5%	5/4/3/2/1%
5 Year Fixed Ltd Edition (LE)	5.25%	5.74%	5.74%	N/A	BOE + 4.5%	5/4/3/2/1%
2 Year Discount Tracker (DT)	3.05%	BOE + 2.69%	BOE + 2.74%	N/A	BOE + 4.5%	1%/1%
Lifetime Tracker (LT)	2.80%	BOE + 3.75%	BOE + 3.80%	N/A	N/A	None

1% Cash Back available for purchases and remortgages

Rate Type	Arrangement Fee	75% LTV	Reversion Rate	ERC	Incentive
5 Year Fixed Cash Back	2.99%	6.34%	BOE + 4.5%	5/4/3/2/1%	1% of loan cash back. £99 app fee.
5 Year Fixed Cash Back Ltd Edition (LE)	5.99%	5.74%	BOE + 4.5%	5/4/3/2/1%	1% of loan cash back. £99 app fee.

2 Year Fixed ReMo – no additional rate loading for £4£

Rate Type	Arrangement Fee	75% LTV	Reversion Rate	ERC	Incentive
2 Year Fixed ReMo Only	2.25%	6.34%	BOE + 4.5%	2%1%	£99 app fee.

Green Boost

Green LTV Boost 2	2.25%	6.60% 2 year fixed for 81% or 82% LTV	BOE + 4.5%	2/1%
Green LTV Boost 5	2.25%	6.60% 5 year fixed for 81% or 82% LTV	BOE + 4.5%	5/4/3/2/1%

Maximum Loan

Single Unit	Maximum Loan	Maximum Loan (by area)
82% LTV (Green mortgage only)*	£500,000	N/A
80% LTV	£500,000	N/A
75% LTV	£750,000	£1,000,000 within southern area postcodes
70% LTV (Remo Only)*	£1,500,000	N/A
65% LTV	£1,500,000	£2,000,000 within southern area postcodes

The completion fee can be added to the loan over and above the maximum LTV’s.

Single Unit Specific Criteria Guide

£ for £ Remortgages	As per our criteria, the loan must be a pound for pound remortgage (no additional borrowing except remortgage fees) and the loan we are remortgaging must have 2 years clean payment history This remortgage product will refund the valuation fee upon completion (up to a maximum of £1000) ICR calculation of 100% up to 70% LTV
Minimum Loan	£100,000
Minimum Property Value	£125,000
Maximum Loan	£1.5 Million to 65% LTV (£2,000,000 within southern area postcodes) £1 Million to 75% LTV for properties in Southern area postcodes that qualify £750,000 up to 75% for properties outside this area £500,000 to 80% LTV (82% Green Mortgages Only)
Landlord Experience	Applicant 1 is required to hold 1 existing BTL property, with a minimum of 1 yrs market experience
Property Considered	Standard Leasehold Flats up to 80% LTV (capital raising for any legal purposes) New build flats up to 75% LTV – regardless of number of storeys Leasehold properties – Minimum of 35yrs remining at the end of the mortgage term Converted, purpose-built and studio flats above 30sqm BTL Investor led developments
Ex Local Authority	Maximum of 5 floors Minimum value of £200,000 No deck access At least 50% of the properties are owner occupied* Valuer to confirm the property is suitable security and, in an area where demand is not falling *To check percentage of owner occupied please visit: www.streetcheck.co.uk, enter your postcode and click on ‘Housing’
Lending Area	England, Wales and Northern Ireland
Solicitor Information	All solicitors acting for Quantum Mortgages 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 partners in the practice Quantum Mortgages are partnered with Movin Legal (conveyancing comparison portal). Register here

Southern area postcodes qualifying for larger loans; AL, BA, BH, BN, BR, BS, CB, CM, CO, CR, CT, DA, DT, E, EC, EN, GL, GU, HA, HP, IG, IP, KT, LU, ME, MK, N, NN, NW, OX, PO, RG, RH, RM, SE, SG, SL, SM, SN, SO, SP, SS, SW, TN, TW, UB, W, WD, WC.

Product guide v93 01/07/2026