Specialised Residential Investment

At Hodge, we offer specialised residential investment loans, working with professional landlords and investors across a wide range of residential investment property types.

Our Specialised Residential Investment loans are for larger investors, or those with portfolios of non-standard residential assets.

Our team of residential investment experts are specialists in working with landlords to make sure we structure bespoke loans that work best for you and your portfolio.

Working with Hodge

Complex property types

We lend across a broad range of residential investment property types. We look at property quality, location, tenant covenant and investor experience, as well as asset type and sector.

Relationship led approach

We work hard to develop close relationships with you, so that we truly understand your goals and ambitions.

Experienced team

Our expert team have years' of experience structuring complex residential investment loans.

Efficient process

We're a small team, close to decision makers, which means you can expect a quick and effective service, with minimal hold ups along the way.

At a glance

Here's an overview of our Specialised Residential Investment Loan. From our key criteria to the types of investment we can offer finance for, you'll find all the information you need below.

  • Available to LLP, Ltd Companies, and individual borrowers
  • Interest rate options:
    • 5 year fixed from 3.55%
    • Variable rate from 3.25% (floating over BoE Base Rate)
  • LTV:
    • up to 75% on standard portfolio
    • up to 70% on MUFBs (up to 15 units)
  • Min loan – £1 million
  • Max loan – £10 million
  • Max term – 10 years
  • Min net interest ratio cover test – 1.25x
  • Product fee – 1.5%

We look at a broad range of residential property types, including:

  • Large, complex portfolios (15 units or more)
  • Mixed use portfolios (up to 25% commercial assets)
  • Multi-unit blocks
  • Houses of multiple occupancy (HMOs) up to six bedrooms

Got a smaller or more straight-forward portfolio?

Our Portfolio Buy-to-Let loan could be for you. It's designed with professional landlords in mind, as a practical solution to help you stay organised.

Find out more

Ready to get started?

If you'd some more information or to speak to one of our team, we're always happy to help. You can call us on 0800 138 9109 or click the button to email our team below.

Email Our Team