Castle Trust

Product Gross Fee paid by lender Net fee paid to regulated brokerNet Fee paid to non-regulated & client referral service
Bridging1.75%0.875%0.44%
Buy To Let1.50%0.75%0.375%

We are very excited to tell you about this exclusive 5 year fixed rate from Castle Trust, renowned for their lending in the specialist arena. 

Typically they win business by lending to first time landlords, using our exclusive lower 5 year fixed rate improves affordability. Another benefit is it comes with TWO year ERC. This first step on the investment property ladder provides the client with valuable experience & the ability to remortgage onto a lower rate after just two years. 

Here are just some more USP’s:
  • Ex-pat & foreign nationals
  • Complex limited company structures
  • New builds & developments
  • First time landlords
  • First time HMO landlords
  • First time holiday lets
  • Will use holiday let income, not AST
  • MUB’s on one title
  • No min income, no max age
The 5 Year fixed exclusive is lower than their core range & offers the following:
  • 3.95% to 70% LTV or 4.50% to 75% LTV
  • Up to 75% LTV purchase or remortgage
  • Only 2 year ERC, 5% in Yr1 & Yr2
  • 2% arrangement fee (added to loan to max of 75%LTV)
  • ICR – pay rate @ 125% basic rate/Ltd Co or 145% higher rate
  • Loans £150,000 to £2m
BTL 70% LTV Exclusive Product guide
BTL 75% LTV Exclusive Product guide

Castle Trust delivers innovative, bespoke solutions to meet a broad range of customer needs, with first and second charge loans and the option to roll-up some or all of the interest.

Products are available to buy to let investors, entrepreneurs and high net worth individuals including ex-pats and foreign nationals. It can also lend to corporate borrowers including SPVs, trusts and trading companies.

With the risk appetite to do interesting things and the expertise to ask the right questions. If it makes sense, Castle Trust will find a way.

Buy to Let

Landlords who want to realise greater value from their investment, refinance existing borrowing or raise capital. Lending is available for any legal purpose, including:

  • Holiday lets
  • Multiple properties on a single title
  • Student lets – including purpose built
  • Portfolio loans
  • Property refurbishment

Self-employed

Entrepreneurs who want to raise capital on their residential property to use for business investment. Funds can be used for:

  • Purchasing a business
  • Investing in business growth
  • Purchasing premises
  • Buying into a partnership
  • Tax bills

High Net Worth

Applicants who meet the high net worth test* as defined by the Financial Conduct Authority (FCA) and are looking to release capital from their home. Lending is available for any legal purpose, including:

  • Property investment
  • Building work
  • Bridging refinance
  • Gifted equity – Bank of Mum & Dad
  • Tax planning

*The FCA definition of high net worth is a customer with an annual net income of no less than £300,000 or net assets of no less than £3,000,000. Subject to compliance with regulatory requirements. Please note that an APRC is generated as part of the application process.

USP’s

  • 80% LTV ON REFURB BRIDGES
  • FIRST TIME LANDLORDS
  • FIRST TIME HMO
  • FIRST TIME HOLIDAY LET
  • MUB’S ON ONE TITLE
  • LARGE PORTFOLIOS
  • NO MINIMUM INCOME
  • NO MAX AGE
  • WILL USE HOLIDAY LET INCOME, NOT AST, FOR HOLIDAY LET DEALS

For Intermediaries Only.

Complete FS Limited is Registered in England & Wales with Company No. 8163434. Registered Office at Fleming Court, Leigh Road, Eastleigh, Hants, SO50 9PD.

Copyright © 2024 Complete FS Ltd.

Complete FS Limited is authorised and regulated by the Financial Conduct Authority FCA Register Number: 738129 Please note we are a Packager and Broker, not a lender. The FCA does not regulate most Buy To Let mortgages.

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