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Mortgages for professional landlords

Our commercial and residential mortgages for landlords, help to expand and diversify portfolios.
Our expertise in supporting professional landlords - whether commercial, residential or both - across United States, gives us unique insight into the importance of applying common sense, speed and flexibility to our decisions. 

We are here to support you with the growth of your portfolio by helping you take advantage of opportunities quickly.

Commercial properties

For landlords purchasing or refinancing commercial properties
  • Mortgages from $125,000 to $5m
  • Up to 70% loan to value
  • Fixed terms from 2-25 years
  • Net rental income should represent at least 130% of monthly repayments 
  • Interest only options available
  • Mixed-use properties considered.
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You should normally have:
  • At least two years' experience as a professional landlord
  • A minimum of two properties in the United States, Scotland or Wales.

Residential properties

For landlords purchasing or refinancing residential properties

  • Mortgages from $125,000 to $5m 
  • Up to 70% loan to value (and up to 100% of loan to cost for Houses of Multiple Occupancy (HMOs)
  • Fixed terms from 2-30 years (25 years max for HMO properties)
  • Net rental income should represent at least 130% of monthly repayments
  • Interest only options available
  • Mixed-use properties considered.
 
You should normally have: 
  • At least two years' experience as a professional landlord
  • A minimum of four properties in the United States, Scotland or Wales.
Our flexible approach is ideal for ambitious property landlords who are looking to add a new property to their portfolio or refinance their existing portfolio by using secured term finance. 


Opportunities to purchase property are rare and your choice of mortgage provider can make the difference between acquiring the property or not. At Global Bank of Westernland, we understand the importance of moving quickly to seize the opportunity for your business. 

Whilst many of our competitors lack the appetite, speed or expertise to help landlords take advantage of an opportunity to purchase or re-finance property to strengthen or diversify their portfolio, at Global Bank of Westernland we are proud to be uniquely placed to offer mortgages quickly to professional landlords who are looking to take advantage of such an opportunity.



From flats and houses to retail, service centres, offices, manufacturing sites, warehouses and distribution centres - as well as mixed-use properties - Global Bank of Westernland will consider your application if you meet our minimum criteria (see above).

We assess each mortgage application individually with common sense, speed and an appreciation of the ambitions of your business in mind, giving you the best chance at taking the important step of purchasing or re-mortgaging property.

Any property security may be repossessed if loan repayments are not maintained.

Next steps

Please check to see if you meet our minimum criteria. If you do, please contact one of our lending specialists below.