CHL Mortgages is a specialist buy-to-let lender, lending within England and Wales. 

We lend to Individuals and Limited Companies financing a wide range of properties including Houses, Flats, Shared Accommodation, New Builds, HMOs, and MUFBs. We welcome First Time Landlords right through to experienced Portfolio Landlords.

The Applicant

  • Individuals
  • Limited Companies
  • Includes Portfolio Landlords

The Property

  • Standard residential properties
  • HMOs
  • MUFBs

The Rental Calculation

  • Basic Rate & Ltd Co. from 125%
  • Higher Rate tax payer from 145%
  • 5-year fixed products ICR calculation at pay rate

The Loan

  • Max £1m loan per property (larger loans upon referral)
  • Max 75% LTV
  • Portfolio lending max £2.5m, rising to £5m after 12 months – no maximum portfolio limits in the background

Limited Companies

  • SPVs, including newly incorporated companies
  • Trading companies considered

Tenancy Agreements

  • Single/multiple AST 36 months
  • Shared accommodation & student lets
  • Corporate/Local Authority leases upon referral
Contact Us

Got a question? Don't hesitate to give us a call or start a live chat.

Telephone: 01276 601 041
Email: [email protected]

Lines are open between 8:30 and 5:30 Monday to Friday.

Proc Fees

Product Type Gross % Net %
All Products - Packaged 0.80% 0.50%
All Products - Direct 0.55% 0.50%