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Intermediary FAQs
Your Questions Answered
About our BTL criteria
No, we don’t offer products for first time buyers/landlords.
The minimum age for a buy to let property is 21. Whilst the maximum is 85 years at the end of the mortgage term for individual landlords.
No, there is no minimum income requirement.
The minimum loan term is 5 years and up to a maximum of 25 years.
The minimum loan amount is £100,000 and the minimum acceptable valuation for any one property is £135,000.
The maximum loan amount is £2,000,000 including any fees added to the loan.
BTL Applications
We do not charge application fees, however many of our mortgage products have a Product fee, which you can find detailed on the Product Guide.
To request a Decision in Principle, please use our introducer portal here.
If you have a query regarding a new mortgage application, please contact our business development team on btlenquiries@birminghambank.com
We aim to keep you informed at all stages but if you have any questions, please email the team via mortgages@birminghambank.com or call on 03330 048 048
Yes the rate can be switched during the application, subject to a fee if the case is post-offer. You can read more about how to do this here.
BTL Property information
No, we only lend in England and Wales.
We require an EPC rating between A-E. You can check a properties EPC rating by visiting the governments register: https://www.gov.uk/find-energy-certificate.
Get in touch
Happy to help!
If you have any questions for our team, please get in touch.
Email: btlenquiries@birminghambank.com
Telephone: 03330 048 048
FAQs
You can also access our Frequently Asked Questions here if you would like further help in out of hours.