Skip to content

Smarter, faster buy-to-let

Buy to let lending for sole traders, limited companies & SPVs

Birmingham Bank offers lending via Intermediaries only

broker portal

Buy to let key features and criteria

Fixed rate mortgages

Up to £3m exposure per client at 70% LTV

Maximum Gross LTV 78% including fees, up to £2m

Multi-property

Single or multiple properties on one loan

With the flexibility of ERCs per property 

specialist properties

Experts in specialist properties

Including MUFBs, HMOs and flats up to 10 storeys

for property professionals

Lending to SPVs, LLPs & sole traders

Supporting professional landlords

Speed to decision

Speed to decision

Instant DIP decisions - technology that makes life easier not harder

Unlock portfolio value

Give your landlord clients the opportunity to borrow against one, or multiple properties on a single loan - with flexible exit options.

  • Unlimited multiple properties on one loan with a single direct debit

  • Mixed property types allowed on a single loan (priced at highest property type rate)

  • Facility to redeem single properties subject to individual Early Repayment Charges (ERCs)

  • Maximum £2m exposure per borrower aggregated or on one loan

discover Portfolio on one Loan

Why us?

  • Day 1 exit from bridging loans

  • Maximum 75% LTV up to £2m (portfolio of properties)

  • Maximum 75% LTV up to £1m for single property

  • No background portfolio limits

  • Lending in England and Wales

  • 2 year and 5 year fixed rate terms available

  • Interest Only mortgages

  • Single and portfolio loans

Who for?

  • Sole trader, Limited Liability Partnerships (LLPs) and companies specifically set up with the sole purpose of buying/holding property (Special purpose vehicles/SPVs)

  • Employed, self-employed and professional landlords

  • Minimum age 21 and maximum age 85 at end of loan

  • No minimum income requirements

  • Transparent credit history requirements

  • Minor unsecured adverse considered

What for?

  • HMOs up to 8 rooms

  • Benefit from Commercial valuations for HMOs 6 rooms and above

  • Multiple Kitchens permitted*

  • MUFBs up to 6 units - minimum 30sqm

  • Funding for flats in blocks up to 10 storeys - max exposure 6 units before restriction applies

Finance up to

£3 million

2-year rates from

3.60%

 

5-year rates from

5.30%

Fees from

2.99%

 

All you need to get the job done

Mortgage Intermediary Panel

We are currently not accepting new members onto our mortgage intermediary panel, however, if you would like to register your interest, please tell us about your firm so that we can get back to you when the panel reopens.

Register your interest

Right First Time

How to help your client's mortgage application progress as quickly as possible 

Product Guide

Mortgage intermediaries can access our latest Product Guide here.

Product guide

Document Library

Mortgage intermediaries' document library

Document Library

Login to Broker portal

To submit new business applications please login using our Introducer Portal 'Origin' below.

If you have any issues with accessing Origin, please email brokersupport@birminghambank.com 

Broker Portal

Contact the Team

Get in touch with the Sales team using the button below, or use one of these quick links for help from another team. 

Existing Case Enquiries email 
New Sales Enquiries email 
Valuation Enquiries email  
Completion Enquiries email  

Find my BDM

Criteria guide

View details like maximum lending limits and permitted properties, all here in our criteria guide.

For mortgage intermediaries only. 

Criteria guide

Get in touch

Happy to help!

Complex case? Please contact our Sales team to see how we could help. 

Email: btlenquiries@birminghambank.com
Telephone: 03330 048 048

FAQs for mortgage intermediaries

You can also access our Frequently Asked Questions here if you would like further help out of hours.

Brokers FAQs

Current service timings

See the latest underwriter queue timings for live applications.

CURRENT QUEUES