Close risk warning

As with most forms of investment, peer-to-peer lending carries a degree of risk to your capital; in this case, if the borrower is unable to repay their loan. At Assetz Capital, we seek to reduce this risk to our investors by taking asset security on every loan, with the added benefit of a discretionary Provision Fund for some of our investment accounts. Investment Account target interest rates should be considered along with the relevant Investment Account expected defaults & losses information. Past performance does not guarantee future performance. We recommend that prospective lenders read the Key Investor Information pages before investing.

Residential Buy-to-Let

0800 470 0431


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If you are looking to raise business finance, have a client looking to raise business finance, or have any other question or enquiry, please call our Business Development Team on 0800 470 0431 who will be delighted to help you. Alternatively please send an email to if you are looking for your own business or for a client's business.

If you prefer to contact your local representative directly, please use the Find Your Local Relationship Director section.


Borrowing enquiry   Introducing enquiry

About Residential Buy-to-Let

Buy-to-Let has reached new heights of popularity but not all investors can access the mortgage market due to missing some tick-list requirements of high street lenders. Assetz Capital takes a pragmatic approach to such funding, recognising the strength of property security and its rental income as a critical part of the lending decision. We can therefore consider lending on most types of UK BTL property to ex-pats, non-UK nationals, limited companies, borrowers with some adverse credit history or other difficult situations.

Fast Facts

Product Benefits

Introducer Benefits

  • A dedicated Relationship Director will work with you to maximise your understanding of our great range of flexible finance products

  • We can supply mailers, term sheets and case studies ready to send out to your clients, co-branded if required

  • We pay procuration fees to introducers where this does not create a conflict of interest

  • One relationship, lots of products to suit different clients

Indicative Terms Sheet

Each facility will be structured and priced on its own merits. We will consider terms outside the above LTV and maximum loan guidelines where the circumstances of the loan warrant it.

Loan Type First Charge Second Charge/Equity Release
Minimum Loan Amount £50,000 £50,000
Maximum Loan Amount £500,000 £250,000
Maximum LTV 75% of MV 70% of MV
Minimum Loan Period 2 years
Maximum Loan Period 5 years
Facility Fee 3% (subject to a minimum fee of £2,000)
Rental Coverage 120% 120% (of total liability)
Redemption Charge 3% in year 1
2% in year 2
1% in years 3, 4 & 5
Interest Rate <55% LTV from 6.4% pa
55-65% LTV from 6.9% pa
65-75% LTV from 7.4% pa
<50% LTV from 7.9% pa
50-60% LTV from 8.4% pa
60-70% LTV from 8.9% pa

In Detail

    • First charge security taken over acceptable properties in mainland UK
    • Where the borrower is a Limited Company, additional security will be required in the form of a debenture over the company and a charge over the shares of the borrower
    • Deed of Priority required from existing lender on Second Charge loans
    • Interest charged daily
    • Interest to be serviced from rental income mandated to Assetz Capital at 120% rental cover
    • We will lend to experienced landlords or their Limited Company (including SPVs) and are able to consider overseas jurisdictions owning UK properties, subject to suitable foreign legal opinions
    • Broker fees will be added to the loan where the LTV allows and paid on completion. Responsibility for advising the Borrower on structure and pricing will be solely that of the broker
    • Details of a viable exit will be required and in some cases we may request evidence of this
    • Lending will be based on the market value (180 day), however, we reserve the right to lend based on the 90 day value should we deem it necessary
    • Where a property is being purchased at a discount, we will lend up to 95% of the discounted purchase price as long as this does not exceed the maximum LTV for the scheme
    • Impaired credit will be considered on a case by case basis
    • The borrower is responsible for all professional fees and an undertaking/ cover for legal and other professional costs will be required
    • Title Insurance will be a requirement on loans where they fit the relevant criteria and the fee for this will be included in the legal cost
    • Commercial and semi commercial properties considered
    • Please note: Assetz Capital does not provide FCA regulated mortgage contracts or regulated Consumer Credit loans
Residential Buy to Let

Brochure Download

Click on the link below to download a pdf version of the loan details, with the product benefits, indicative terms and a case study all included.