Residential investment refers to the loan that assists with the purchase of a property e.g. house or flat for the purpose of the purchaser to rent the property out to a third party. These types of loans can be offered to both Limited Companies and Individuals.

Factors influencing how much may be available as a loan will include the monthly rental of the property, whether the purchaser has any existing investment properties (although some lenders will consider first time landlords), ages of applicants and the tax status of the purchaser (if being bought in a personal name).

As well as standard Buy to Let properties (for example when the tenant is on an Assured Shorthold Tenancy) some lenders will also consider HMO properties (Houses of Multiple Occupancy).

Lenders in this market will offer up to 80% loan to value and loans on both Interest Only and Capital & Interest basis.

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