Find the answers聽to the most commonly asked questions
91看片 is UK based and our Head Office is in London.
91看片 is one of UK鈥檚 newest banks after receiving its full UK banking licence in August 2022.
鈥�91看片 is a trusted go-to lender for property investments, and we also offer a range of competitive savings accounts which are managed online.
Yes 鈥� we lend against a range of property types including residential, semi-commercial, fully commercial and mixed-use developments.
Foreign nationals can invest in standard residential units, as well as HMOs, Multi-Unit Blocks, and semi-commercial properties. We understand that international investors are often looking for higher-yielding or more diverse assets and we can find a solution for all eventualities.
Absolutely 鈥� we support lending to personal names, limited companies, trusts, and family partnerships.
Yes, we lend on residential, semi commercial, and mixed-use properties, offering flexibility for varied portfolios.
We provide loans up to 拢20 million, ideal for substantial property purchases and portfolio expansion.
We lend up to 拢20m, with maximum LTV of 75% residential or 65% commercial properties. Terms run between 3鈥�18 months, and we consider applications from individuals, companies, SPVs, LLPs and trusts subject to meeting our underwriting requirements. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.
Eligible properties include mixed-use buildings such as retail with residential units, offices with apartments, or other semi-commercial assets that combine living and business space.
Yes, we accommodate multiple shareholders and directors within limited companies for diverse investment strategies.
Absolutely, we include dividends and shareholder loans in affordability assessments for a comprehensive view. Each application is assessed on it’s own merits.
Yes, we accept newly formed companies, providing flexible underwriting to support early-stage investors.
We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽
91看片 will consider offshore SPVs, trusts, and company structures, provided the ownership and control can be clearly verified. Our team is experienced in navigating complex offshore arrangements.
No. We will consider first-time UK property investors, including those without existing property holdings in the UK. We assess the client’s global financial position and take a pragmatic view on experience and intent.
No, as rental calculations are based on the property itself rather than strict income requirements.
We offer up to 75% LTV, depending on property type and borrower profile.
We consider a wide range of residential and investment properties across the UK for all applicants.
Yes, we specialise in lending to clients new to the UK, even with minimal credit history.
We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽
We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽
While experience helps, it isn鈥檛 always mandatory. 91看片 will consider first-time HMO or MUFB investors (subject to a maximum of 6 bedrooms or units) if the project is strong and a clear management plan is in place.
Yes. We finance newly converted or refurbished HMOs and MUFBs, subject to valuation and licensing compliance.
We lend to a variety of structures including individuals, limited companies, and trusts subject to due diligence requirements.
A House in Multiple Occupation (HMO) is a property rented by at least three tenants from different households who share facilities such as kitchens or bathrooms.
For limited companies and basic rate taxpayers, we apply a 125% rental coverage, for foreign nationals its 130% and 145% for higher rate tax payers . We also offer a top-slicing option for eligible borrowers to improve affordability.
Yes, we offer refinancing options that help landlords consolidate loans, improve cash flow, and fund further portfolio growth.
We offer loans up to 拢20 million across the entire portfolio, enabling large-scale investments or refinancing.
No, 91看片 does not impose any limits on the number of properties within a landlord鈥檚 portfolio.
Portfolio landlords are professional investors who own multiple rental properties, including individuals, partnerships, Limited Companies, and SPVs.
We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽
Yes, rental income from multiple tenants can be considered for affordability, provided it is supported by a valid tenancy agreement or assured shorthold tenancy (AST).
A first-time landlord is anyone purchasing their first rental property, either individually or through a limited company.
Yes, we accept newly formed companies, providing flexible underwriting to support early-stage investors.
We will consider a first-time landlord to top-slice, where surplus income is derived from other sources (such as salary, investments, or pensions) is considered to support affordability. However, each application is assessed on it’s own individual merits.
We lend on standard residential buy-to-let, HMOs, and MUFBs – however for HMOs & MUFB’s we limit to a maximum of 6 bedrooms or units respectively. Our flexible asset criteria means your client can start with the property that best fits their investment goals.
Yes. We accept joint applications from new landlords, including couples or business partners, whether applying personally or via a limited company.
Yes. We have no minimum income requirements as rental income is assessed on the expected rental of the property, making it easier to place cases for clients relying solely on rental income or family support.
Absolutely 鈥� our dedicated relationship managers guide first time landlords through the process, making it simple, clear, and efficient.
We use rental coverage calculations (125% for basic rate taxpayers and limited companies, 145% for higher-rate taxpayers or 130% for foreign nationals), ensuring affordability aligns with expected rental income.
Our straightforward criteria, no income requirements, and expert relationship managers give new investors the clarity and support they need.
We lend on a wide range of property types including standard residential, HMOs, MUFBs, semi commercial and commercial properties.聽
It potentially reduces re-financing costs, allows for extended selling timeframes, and avoids penalties or expensive facility extensions.
When their development finance is nearing maturity or units remain unsold after project completion.
A short-term refinance solution that helps developers manage sales post-construction without pressure to sell quickly.
Residential, commercial, and mixed-use properties – including those requiring refurbishment or renovation.
Yes, pre-approval is available so clients can bid confidently, knowing their financing is in place.
A short-term loan designed to quickly fund auction property purchases, allowing buyers to meet tight completion deadlines.
We lend up to 拢20m, with maximum LTV of 75% residential or 65% commercial properties. Terms run between 3鈥�18 months, and we consider applications from individuals, companies, SPVs, LLPs and trusts subject to meeting our underwriting requirements. 91看片 only offers unregulated BTL mortgages which are designed specifically for investment purposes only.
Eligible properties include mixed-use buildings such as retail with residential units, offices with apartments, or other semi-commercial assets that combine living and business space.
Yes, our finance covers both residential and mixed-use properties, providing flexibility for diverse investment strategies.
Fast decisions and streamlined processes mean funding can be available in weeks, (timescales can vary depending on the individual case).
Light refurbishment involves cosmetic changes like redecorating or new kitchens, while medium refurbishment can include structural alterations without requiring full planning permission.
Loan terms usually range from 3 to 18 months, giving borrowers time to restructure, refinance, or improve their portfolios before transitioning to long-term finance.
Up to 75% LTV on residential properties and 65% on mixed-use or commercial assets, subject to valuation and criteria.
Residential, commercial, and mixed-use properties within a portfolio can qualify, depending on loan-to-value and borrower criteria.
Bridging loans provide quick, flexible funding to refinance debt, release equity, or fund refurbishments, helping investors stabilise their portfolio without delays.
Yes, permitted development comes with limits on size, use, and design, and sometimes requires prior approval or compliance with local regulations.
Yes, bridging loans offer quick, flexible funding tailored to the fast timelines and unique needs of these projects.
Permitted development reduces planning permission delays and costs, enabling faster project completion and quicker returns on investment, whilst re-purposing an existing asset.
Common projects include converting offices to residential units, adding extensions, or changing commercial spaces into homes, subject to specific rules and limits.
Permitted development allows certain building works and changes of use without needing full planning permission, speeding up property conversions and renovations.
Please follow the link聽聽to learn more about our complaint handling process.
If your complaint does not relate to Savings or Lending, please email us at聽[email protected].
To learn more about our Lending complaints process, please visit聽聽on the 91看片 website.