Arbuthnot Latham has introduced loan-to-value (LTV) ratios of up to 65% across its residential investment lending range, a move aimed at giving professional landlords increased financial flexibility.
The change, which is effective immediately, enhances the lender’s existing proposition. It maintains sub-2% variable lending rates and uses a streamlined stress testing method, designed to simplify the affordability assessment process for brokers and borrowers.
Professional landlords will also continue to receive direct support from a dedicated commercial banker and client service team throughout the loan process, offering what the bank describes as a more personalised and consistent experience.
The updated product features include:
LTV: up to 65%
Variable margin: from 1.50% for loans up to 60% LTV, and from 1.90% for LTVs between 60% and 65%
Eligibility: products available solely for residential investment purposes
Justin Snoxell, director of real estate finance, said: “We are committed to providing competitive, transparent lending solutions that evolve with the market. Our simplified stress testing approach is another step in making the process more efficient for brokers and their clients.”
