Castle Trust Specialist Mortgages

Are your circumstances a little unique? Don’t worry! We work closely with Castle Trust to provide you with the tailored solutions that you require.

Buy to Let Bridging

CastleTrust’s Buy to Let Bridging product is designed for your clients’ short termBuy to Let finance needs. At Xpress we work with a lender who understands that time is of the essence for short term finance cases, that’s why their Buy toLet Bridging product is bridging that you can trust to deliver on time. Ideal for light refurbishment, including Permitted Development projects, the roll-up interest basis means that monthly payments won’t impede the project’s progress

Bridge

If you have short term needs, but Bridging doesn’t quite fit the bill, Castle Trust’s Bridge products offer a range of options. Terms of one or two years give you the opportunity to fulfil their short-term plans.

CastleTrust’s Bridge products are also available for High Net Worth* clients and those securing against their own residential property to raise funds for business purposes.

Term

For those looking for slightly longer terms, Castle Trust’s Term products offer a range of options to suit you. Terms between two and five years, give you the security of a fixed rate to carry out your short-term plans.

Castle Trust’s Term products are also available for High Net Worth* clients and those securing against their own residential property to raise funds for business purposes.

TermTen

Castle Trust’s longest term product, TermTen is designed for Buy to Let landlords who want a bit more flexibility in their finance plans. Fixed for the first five years of the ten year term, TermTen gives you the opportunity to mitigate the effects of market fluctuations and to take unexpected events in their stride.

With no Early Redemption Charge after the first five years, landlords have a further five years to make their next move, without being time pressured.

Blended Rates

This is for landlords with low rental yields, whose rental income will not service the loan, Castle Trust’s blended products offer a great alternative to top slicing, with the flexibility to maximise borrowing without having to subsidise the loans from personal income.

The roll-up element offers the opportunity for you to maximise their loan amount, regardless of your rental yield. The serviced element offers a lower rate than the roll-up element. When the two are combined, Castle Trust aggregate the rates to give one set of loan terms, keeping things simple for you.

Blended rates are available for Buy to Let clients on a Bridge or Term basis, so there’s something to suit every type of landlord.

Development Finance

Castle Trust offer bespoke finance solutions to experienced developers for a range of development types, including Permitted Development schemes and group developments of single and multiple units.

What they offer

  • Up to LTGDV 70%
  • Loans from £1million to £10million
  • Terms from 9 months to 30 months
  • Competitive pricing on an individual basis

Lending criteria

  • UK resident
  • Experienced full-time developers
  • Limited companies / SPVs
  • Projects must be located in England or Wales

Xpress Mortgages have a team who will find the specialist product that is right for you. Give us a call on 0800 298 2657 or email info@expressmortgages.co.uk

Subscribe to our newsletter

Please enter your email address below if you would like to receive our newsletter.
Request A Callback

Request A Callback

Please fill out the form below if you would like to request a callback.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
X