MT Finance has reduced rates across its commercial mortgage range and introduced a limited-time HMO product offering up to 80% loan-to-value (LTV) on five-year fixed-rate terms.
The specialist finance lender said the new HMO deal applies to properties with up to eight bedrooms and is aimed at investors seeking higher-yield assets. The product is available for both purchase and refinancing of larger multi-let properties.
Key changes to the product range include:
rate cuts across all commercial mortgage products
a limited-time HMO offer with up to 80% LTV
five-year fixed rates for HMOs with up to eight bedrooms
The lender said the new structure is intended to make borrowing more accessible for investors by reducing the upfront capital required, while maintaining its focus on speed and adapting products in response to market demand.
“Our goal is to remain agile and responsive to the needs of our brokers and their clients,” said Gareth Lewis, deputy CEO at MT Finance (pictured).
“By lowering rates across our commercial range and introducing an 80 per cent LTV limit for our HMO offer, we are giving our clients significantly more borrowing capacity to achieve their property goals efficiently in the current market.”
The lender added that the changes are designed to provide greater flexibility for customers operating in a market where demand for multi-let and higher-yield properties remains strong. By combining lower commercial rates with a higher LTV option for HMOs, MT Finance aims to widen access to finance for landlords looking to expand or refinance their portfolios.
