We provide clarity and certainty with clearly structured products to meet your clients’ needs. In a quickly changing climate, we make our lending appetite clear, so that you know exactly which kinds of cases we’re able to help you with.

We offer BTL loans across three products, listed below; our BDM’s can issue terms on all of our products, please contact your BDM to discuss all new business enquiries.

We'll consider applications from:

  • First Time Landlords (where applicants are not a First Time Buyer)
  • Ex-pats and/or foreign national applicants with UK mortgage conduct
  • HMOs up to 6 bed
  • Holiday Lets (with no restrictions in place on the title), we use holiday let income rather than AST

Our Products

TermTen:

Ten year term with initial fixed rates available:

    2 year fixed from 3.92% APR
    3 year fixed from 4.12% APR
    5 year fixed from 4.32% APR

  • Maximum 75% LTV net, for all cases listed to the right
  • Maximum loan value £10m

Bridge to Let

  • Up to 80% LTV if carrying out refurb, 75% LTV if £ for £ refinance
  • Refurb work up to and including permitted development are accepted (works requiring planning permission or any structural works not accepted)
  • 0.67%pcm fixed rate across all LTVs for 9 or 12 months bridging term
  • Guaranteed exit onto TermTen with 2, 3 or 5 year fixed rate over 10 years
  • Client not tied in to the term product, can exit any time from month 4 - 13 from outset

Bespoke

  • We use our specialist experience to create a product bespoke to your clients’ needs
  • Blended Serviced/Roll up 1st charges case by case
  • 3, 4 or 5 year terms available
  • Flexible ERCs

We are not currently offering loans for:

  • Student lets
  • First Time Landlords who are also First Time Buyers
  • Owner Occupied assets

Mortgages
This website is for authorised intermediaries only. This information has not been approved for use with customers and is not intended for public or customer use. Your clients’ property may be repossessed if they do not keep up repayments on a mortgage or any other debt secured on it. Loans are subject to status, terms and conditions.

Castle Trust Bank means Castle Trust Capital plc, a company incorporated in England and Wales with company number 07454474 and registered office at 10 Norwich Street, London, EC4A 1BD. Castle Trust Capital plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under reference number 541910. Buy to Let is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

© 2021 Castle Trust Bank. All rights reserved.

This website is for authorised intermediaries only. This information has not been approved for use with customers and is not intended for public or customer use. Please confirm that you are an intermediary before accessing information on this website.

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