Trusted Mortgage Advice | Neil Soundy Financial Services - FLEXIBLE BUY TO LET, HMO, SPV, MORTGAGES


New lenders are now entering the mortgage market offering a fresh approach and are looking to lend. (For more information on SPV mortgages visit my earlier blog post)

Unlike other established commercial banks, Shawbrook Bank will consider interest only periods of up to 10 years on certain property types including all residential investment units to 75% LTV, 70% LTV on semi commercial and 65% LTV on commercial investment units.

 Types of Security accepted

 Multi unit residential investments on one title

  • Student BTL
  • HMO
  • Limited company without an SPV
  • Commercial investments
  • Mixed use commercial and residential investment units
  • Modern factories and warehouses
  • Offices
  • Industrial units
  • Repair Garages
  • Hotels, guesthouses, bed and breakfast with more than 6 letting rooms or with a restaurant/bar
  • Public Houses


Lending on HMO’s is particularly useful for Cardiff where the Council has introduced additional licensing for buy to let properties Cathays.

Why use Neil Soundy Financial Services for your mortgage advice.

See client reviews on our home page.

Your initial consultation is free with no obligation


Neil Soundy Financial Services Ltd is an appointed representative of HL Partnership Ltd which is authorised and regulated by the Financial Services Authority.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

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We can discuss your current situation and the options available to you before arranging a free no-obligation meeting.

Neil Soundy Financial Services Ltd
66 Albany Road, Cardiff CF24 3RR

Tel: 02921 159 466 | 020 3011 0662

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