Residential Investment Finance & Buy to Let

At NapeX we work together with our buy to let team to source the best terms for our clients tailored to their needs.

The buy to let team covers the traditional buy to let market utilising their knowledge and sourcing systems. Our team covers the specialist residential investment and real estate finance.

Our panel of lenders spans across high street banks, challenger banks, private banks, building societies, specialist lenders and hedge funds.

As ex lenders we use our in-house knowledge and specialist in house debt models to match you to lenders demonstrating the options available across the market. We then use our relationships and experience to source competitive terms delivering on our client’s individual requirements. 

Typical Client Requirements:

Specialist Residential Finance

  • Commercial HMOs: C4 classification/sui generis with surveys based on an investment valuation.
  • Small HMO Finance: C3 classification with surveys based on the investment valuation for established HMO locations.
  • Multi-Unit Finance: Flats or blocks of houses on a single title.
  • Portfolio Finance: Finance for professional landlords, PRS operators and student housing.
  • Large Buy to Lets: Typically loans from £750,000 that fall outside of mainstream buy to let lenders.
  • Residential Blocks: Finance for blocks of flats.
  • Non-Conforming Residential Investment: Residential investments that do not meet traditional buy to let criteria.  
  • Incorporation Finance: Transferring of a residential portfolio into a limited company structure.
  • Overseas Companies & Offshore Companies: All types of overseas structures and foreign nationals.
  • Unusual Ownership Structures

Buy to Let

  • Buy to Let Finance: Single lets for a singular household. These are typically houses or leasehold flats. 85% loan to value (LTV) mortgages available. No minimum income required, no maximum age requirements, personal or limited company finance available, ex-pat, foreign national mortgages and second charge finance available.
  • Complex Purchases: Purchases below market value, gifted equity, short leases etc.
  • Multi-Unit Finance: Flats or blocks of houses on a single title.
  • Small HMO Finance: C3 classification with surveys based on the bricks and mortar valuation.
  • Automated Valuation (AVM): This is a software-based tool that’s used in residential surveying to determine property value. Property can now be valued via this method removing the need for a physical valuation and making the process much quicker.  


Case Studies:

Looking for in-depth information about Specialist Property Finance?

Download our product guides covering bridging loans, buy-to-let, specialist fincance, development finance and much more...


Being armed with all the relevant information at the outset.


Providing the highest standard of service for both our clients and lenders.

Long Term

Ensuring that the long-term goals of our clients are at the heart of everything we do.


Utilising our experience & relationships together with technology to improve the journey of our customers.

© 2018-2022 - Napex Finance Limited
Napex Finance Ltd is registered in England and Wales No. 11595149. Registered Office: 78 Loughborough Road, Quorn, Leicestershire, LE12 8DX All rights reserved. Napex Finance Ltd is authorised and regulated by the Finance Conduct Authority (FCA) No. 827051. The FCA does not regulate some mortgage contracts.