Quantum Mortgages has made several improvements to lending criteria, including increasing the maximum loan to value available for specialist properties.

Specialist range properties which include HMOs up to 12 units, studio flats of any size, flats above commercial units and semi commercial units, can now be financed up to 75% of open market valuation.

The lenders complex range – QML Pro, which caters for non-standard properties, HMOs of any size and even properties with restrictive covenants, has also seen an increase to the maximum loan to value from 65% to 70%.

Other criteria improvements include freehold properties in Northern Ireland being added to the standard single unit and multi-unit ranges, providing access to loans up to 80% LTV at standard rates and Foreign National applicants now able to access specialist properties.

Commenting on the changes Quantum head of sales and distribution Harsha Dahyea said: “We are constantly listening to our broker partners and since we’ve seen a more stable rate environment the message has been clear – Landlords are looking for higher leverage on the more specialist higher yielding properties.

She added: “Whist this is not possible for many more automated Buy to Let lenders, our unique & specialist method of underwriting allows us to be more flexible and apply some much-needed common sense for professional landlords.”