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CHL Mortgages for Intermediaries Ltd Admiral House Harlington Way Fleet GU51 4YA
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CHL Mortgages for Intermediaries

CHL Mortgages is a specialist buy-to-let lender, lending within England and Wales. We lend to Individuals and LimCHL Mortgages is a specialist buy-to-let lender, lending within England and Wales. We lend to Individuals, Limited Companies (both Trading Companies and Property related SPVs) and LLPs to finance a wide range of currently lettable properties including houses, flats, shared accommodation, new builds, houses in multiple occupation (HMO), multi-unit freehold blocks (MUFB), and short term lets (for holiday let/serviced accommodation purposes).
We are able to cater for complex/layered Limited Company structures, and complex layouts of larger properties, including allowing a mix of useage in Multi Unit Freehold Blocks, combining short term lets, standard AST let and HMO use in the same block – speak to your BDM for more details.

Key Features Videos

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For details of when your proc fee will be paid, please click on the button below.

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Proc Fees

Product	Gross	Net
All Products	0.55%	0.5%

Key Features

Portfolio Landlords - no maximum number of Properties in the background
We lend to Individuals, Complex Limited Company structures, Trading Companies and LLPs

HMOs, Multi Unit Blocks and shared accommodation.
Refurbishment products - No need to bridge, no need to switch!

Overview

CHL Mortgages commenced buy-to-let lending in 1996, and has extensive experience in the more specialist and complex end of this market. Lender-InfoBoxWhite

Post Code Restrictions: CHL Mortgages lends in mainland England and Wales, and the Isle of Wight.

Register

Register to place business with CHL Mortgages:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.

The principal, or authorised admin deputy, should register the firm, and can then add other users as appropriate.

Our criteria is extremely flexible, for example, we can consider:

A Blended ICR, allowing higher rate taxpayer a more generous ICR when applying with a lower rate taxpayer.
Up to 4 applicants.
Complex Limited Company structures, whilst accepting Directors Loans and Inter-Company Loans.
HMOs up to 10 bedrooms.
Multi Unit Freehold Blocks with up to 10 self-contained units in the block.
Short Term Lets (Holiday Lets or Serviced apartments).
Refurbishment of Buy To Let properties, including Light Refurbishment, EPC Improvement, and Cosmetic Improvement products.

Day One Remortgages, based on the market value, rather than the purchase price, where the uplift is explained by works/changes to the property/title.
Capital Raising available for any legal purpose except for Tax Liabilities (excluding CGT/IHT), Gambling Debts/Consumer BTL purposes, and non property related Business Purposes.

Ex local Authority properties including deck/balcony access.
Properties above/adjacent to commercial (excluding food outlets/noisy/flammable).
First time Landlords.
Minor Adverse.
Studio Flats from 30sqm.Smaller Units considered on a referral basis – please contact your BDM.
Local Authority and Corporate leases, upon prior referral.
Shared accommodation available on our standard (i.e. non HMO) products, where an HMO licence is not required.