Exclusives

Here’s a great reason to use Complete FS as your specialist distributor – here are our latest lender exclusive products or criteria which can also be found on the sourcing systems 27Tec and Trigold

Residential DMP’s to 85% LTV

  • Rates from 3.15% 2 Year Fixed
  • Rates up to 0.80% LOWER than core range
  • Up to 85% LTV + Lenders Fee (£995)
  • Proc Fee 0.50%
  • The DMP can remain post completion
  • Can have adverse since the DMP
  • Defaults - Up to 5 in 24 months - no limit thereafter
  • CCJ’s - Up to 3 in 24 months
  • Can consider payday loans

5 year Fixed Rate Residential

  • Rate 4.99% for 5 Years (usually its 7.12%)
  • Proc Fee 0.50%
  • Max LTV 75%
  • CCJs, defaults and secure arrears considered
  • All property types considered inc non-standard
  • Interest Only available
  • Employed, self-employed, contract workers, zero hour contracts, retired, benefits and DWP accepted
  • First time buyers accepted

Select Residential 95% LTV FEE FREE!

  • 5.19% Fixed for 2 Years to 95% LTV
  • Proc Fee 0.40%
  • No completion Fee
  • Free valuation
  • Consider up to 100% of bonus income
  • Debt Management Plans and Payday Loans older than 1 year
  • Defaults accepted in over 3 years

Select Residential 95%

  • 5.09% Fixed for 2 Yrs, 5.44% Fixed for 5 Yrs
  • Proc Fee 0.40%
  • £1,299 completion Fee
  • Consider up to 100% of bonus income
  • Debt Management Plans and Payday Loans older than 1 year
  • Defaults accepted in over 3 years

2 and 3 year Fixed Rate Buy-to-Let

  • Rate 6.99% to 65% LTV, 7.49% to 75%LTV
  • Proc Fee from 0.875% to 1.25%
  • Maximum LTV on remortgage 70% and purchase 75%
  • Most property types accepted, inc non standard construction
  • Low value properties also acceptable
  • No maximum age where rental income meets or exceeds the required interest coverage ratio (ICR)
  • Employed, self-employed, contract workers, zero hour contracts, retired, benefits and DWP accepted
  • Lending in retirement – accepted

5 year Fixed Rate Buy-to-Let

  • Rate 3.49% fixed Standard Property (usually its 3.54%)
  • Rate 3.59% fixed Small HMO/MUFB (usually its 3.70%
  • Rate 3.79% fixed Large HMO/MUFB (usually its 3.92%)
  • Proc Fee 0.45%
  • ICR stress at pay rate
  • HMO’s to 15 bedrooms, MUFB’s to 10 units
  • Will lend to trading businesses, no debenture

5 year Fixed Rate Buy-to-Let

  • Rate 3.49% fixed
  • Up to 75% LTV
  • £3,495 Product fee
  • Loans - £200,000 to £500,000
  • ERC - 4%, 4%, 3%, 3%, 2%
  • Any limited company, trading or SPV
  • No income varification on BTLunless topping up
  • Portfolio Landlords up to £4m/20 properties with Vida
  • Rental Top-up from 115%
  • Capital Raising to repay bridging loan allowed

Rates from 6.99% Commercial Exclusive

  • Proc Fee 0.75%
  • Up to 70% LTV
  • Adverse credit accepted
  • First time owners/landlords accepted
  • Most property types accepted
  • Loans between £30K and £1.5M
Close Menu