Nope, not the current fuel price craziness: 
Properties next to petrol stations!  
Highly regarded to be one of the hardest to get normal BTL finance on.. 
With lenders seeing a risk of fire being very high, its rare that a lender will agree to lend over 50% LTV if even at all! 
We have a lot of enquiries about these, mainly due to the properties being advertised as Cash buyers only and therefore staying on the listings for longer. 
Finance would usually end up with a commercial lender who, again would only lend a low LTV and charge very high rates due to the risks involved. 
However, there is one lender who has stepped in to this niche and they have stated that they will assess every property for its merits rather than just saying no from the outset. 
This means that a mortgage lender in the BTL market can look at financing up to 65% LTV on properties next to fuel stations! 
Rates start at 4.24% (1.5% fee) for a 2 year fix and 4.44% (1.5% fee) for a 5 year fixed (at the time of blogging)  
These rates may seem high for standard single BTL properties, but this mortgage is still better than most of the commercial lenders who will lend on these types of property. 
Most mainstream lenders will just reject the case at valuation and even the more specialist lenders will shirk away. 
This should enable you to look at properties that are really outside normal lending parameters. 
This lender are a very bespoke lender and rather then list criteria, they prefer to assess each application bespoke. They will also talk through the case before it even goes in, so no loss of cash! 
Its now possible to give your portfolio that edge and gain high rental yields on the weird and wonderful properties or even those just outside of normal lending! 
I for one, am excited to see what quirky properties I can now place simply! 
Have you got such a property you are interested in ? If you’d like a no obligation informal conversation with a qualified advisor, please get in touch with me on 07500 871209 or email 
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