New buy-to-let products are now available on a semi-exclusive basis from Crystal Specialist Finance and West One Loans.

The range is aimed at the whole gamut of landlords, including first-timers, HMOs, MUFBs, expats, holiday and AirBnB lets and for individuals and limited companies.

Property types considered include those owned for fewer than six months, flats over five storeys, ex-local authority flats and deck access flats.

The products are available at up to 70 per cent LTV and at a maximum loan of £500,000. As well as this, the range includes a 125 per cent debt service coverage ratio at up to 70 per cent LTV for certain borrowers and feature no maximum property value.

Crystal adds that rental stress calculations are based on a rate of 5 per cent or a pay rate of a five-year fixed product, starting from 3.99 per cent.

Crystal Specialist Finance interim group sales director Jason Berry says: “During lockdown, West One have certainly been there for Crystal and our brokers.

“They have continued to underwrite and take a pragmatic view on cases which has ensured our brokers have been able to serve their customers through these incredible times.

“These new products underline the strength of the relationship we have and we are sure they will prove popular and provide greater options for property investors.”

And West One Loans managing director Andrew Ferguson adds: “We are pleased to offer these attractive products to a selection of our master broker partners, including Crystal.”