Specialist

UK resident individuals & Ltd Co SPV’s including Northern Ireland SPV, HMO & MUFB up to12 rooms, flats above or adjacent to commercial premises, deck access flats, smaller studio flats.

Applicants applying for Specialist properties must own at least 2 Buy to Let properties, with a minimum of 2 yrs market experience

Applicants with 1 existing BTL property with a minimum of 2 yrs market experience, may be considered, where the property is a single unit, an ex-local authority property, Northern Ireland freehold properties and semi-commercial properties.

Interest Rates

Rate Type	Arrangement Fee	Up to 65% LTV	Up to 75% LTV	Reversion Rate	ERC
2 Year Fixed	2.25%*	6.64%	6.84%	BOE + 5.5%	2/1%
5 Year Fixed	2.25%*	6.64%	6.84%	BOE + 5.5%	5/4/3/2/1%
5 Year Fixed Ltd Edition	5.25%*	6.24%	6.24%	BOE + 5.5%	5/4/3/2/1%
2 Year Discount Tracker	3.00%*	BOE + 2.99%	BOE + 3.04%	BOE + 5.5%	1%/1%
Lifetime Tracker	2.80%*	BOE + 4.25%	BOE + 4.30%	N/A	None

*A minimum product fee of £2990 is applicable on all Specialist Range Products

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%	6.84%	BOE + 5.5%	5/4/3/2/1%	1% of loan cash back. £99 app fee.
5 Year Fixed Cash Back Ltd Edition (LE)	5.99%	6.24%	BOE + 5.5%	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%	6.84%	BOE + 5.5%	2%1%	£99 app fee.

Maximum Loan

Specialist	Maximum Loan	Maximum Loan (by area)
75% LTV	£500,000	£1.5 Million within southern area postcodes £500,000 for properties in Northern Ireland

Specialist Specific Criteria Guide

Minimum Loan	£75,000
Minimum Property Value	£100,000
Maximum Loan	£1 Million for properties in Southern area postcodes that qualify £500,000 up to 70% LTV for properties outside this area £500,000 for properties in Northern Ireland
Landlord Experience	Applicants applying for Specialist properties must own at least 2 Buy to Let properties, with a minimum of 2 yrs market experience. Applicants with 1 existing property with a minimum of 2yrs market experience may be considered where the loan is one of the following: ex local authority or semi commercial.
Property Considered	HMO, MUFB, student lets up to 12 rooms/units Flats above or adjacent to commercial premises Flats above/adjacent to food outlets or alcohol sales max 70% LTV Flats with deck access Studio flats below 30 sqm Ex Local Authority developments with under 50% private ownership Semi commercial units (60% residential & 40% commercial use max & assessed on a standard AST of just the residential units) Ex local authority flats over 5 floors up to a maximum of 12 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: 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).

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