Trusts Buy to Let

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Mortgages up to 75% LTV

Easy application process

Useful to “incorporate” existing portfolio ( after tax advice )

Competitive rates

Free Valuation & Legal Fee deals often available.

Get in touch

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Having a Trust as the legal owner of a BTL could be a smart move if it suits your circumstances ( after taking tax advice) but it does limit the number of lenders available due to the nature of the ownership. The normal lenders don’t really understand this type of lending and do not lend to trusts.

Why choose us?

Here are a few reasons to choose Chess Mortgages.

Experienced advisers

We’ve been advising clients on mortgages for over 40 years.

We move fast

No need to wait; we respond & process applications quickly.

Whole of market

We scour UK lenders, private banks & offshore lenders for deals.

What you need to know…

What is the maximum LTV?

For trusts the LTV can be lower than the standard and can vary from 60% to 70% but 75% may be possible depending on other factors.

Is there a minimum loan size?

Most specialist schemes do have slight higher minimum loan amounts as Trusts are the domain of HNW clients.

Are the interest rates higher?

Usually yes so you must weigh up the costs v benefits long term

Are the fees higher ?

Not normally – the lenders fees are in line with normal specialist mortgages and the lenders are likely to appoint their own lawyer in addition to you using your own. This adds to the costs.

What our clients say…

"Excellent service and I would highly recommend to others"

Had the pleasure of instructing Chess Mortgages. Jaz was incredibly professional and impressive in her handling of my remortgage application. My application was dealt with within a week! Excellent service and I would highly recommend Jaz to others. Thank you Jaz!

Shaida Hussein

"Award winning mortgage advisors & I can see why"

Bob stepped in at very notice to assist us when we were in danger of missing out on our perfect home. We were impressed with advice we'd seen Bob provide on a forum, which was clear and sensible. It was later we found out that Chess are award winning mortgage advisors and I can see why.

Iftikhar Ahmad

"Chess was by far the best decision we made in looking for a mortgage"

I can't thank Jaz and Bob enough for their efforts in helping my wife and I in secure a mortgage. The process was effortless and they took weight off our shoulders. Having gone through getting a mortgage a number of times, I can safely say using Chess was by far the best decision we made. I will be using them again.

Shamit Rooproy


Get in touch

Speak to an adviser today via a free, no obligation consultation.