CHL Mortgages
Specialist LenderCHL Mortgages is a specialist buy-to-let lender based in Peterborough, serving professional landlords with standard BTL, HMO, portfolio, and expat lending products. They have built a strong niche in the intermediary market with competitive products for experienced property investors.
About CHL Mortgages
CHL Mortgages is a specialist buy-to-let lender based in Peterborough, serving professional landlords across the UK. The lender has built a strong niche in the intermediary market with competitive products for experienced property investors. CHL offers standard BTL, HMO, portfolio, and expat lending products.
CHL has developed expertise in the professional landlord market, understanding the needs of investors with multiple properties. The lender offers products for individual and limited company structures, including HMO and multi-unit blocks. CHL's expat range serves UK nationals living abroad who wish to invest in UK property.
CHL Mortgages is broker-only and works with buy-to-let specialists across the UK. The lender has built a reputation for competitive rates and reliable service. CHL is regulated by the FCA.
Lending Focus
CHL Mortgages offers mortgage products across 3 categories including Buy-to-Let, Expat, HMO.
Key Features
- Specialist BTL lending for professional landlords
- HMO mortgage products for multi-let properties
- Portfolio landlord solutions with flexible criteria
- Expat buy-to-let for UK properties owned by overseas borrowers
- Competitive rates with experienced intermediary service
Pros & Cons
Pros
- Specialist BTL lender with expat lending capability
- HMO mortgage products for multi-let properties
- Portfolio landlord solutions with flexible criteria
- Competitive rates for experienced landlords
Cons
- –Broker-only — cannot apply direct
- –Buy-to-let only — no residential products for owner-occupiers
- –Does not accept adverse credit
Fees & Charges
- Arrangement Fee
- Typically £995–£1,495 depending on product
- Valuation Fee
- Based on property value — usually £200–£1,200
- Early Repayment Charge
- Typically 2–5% during fixed-rate period
- Overpayment Allowance
- Up to 10% per year on most products
Mortgage Rates
Rate data coming soon. View rates on CHL Mortgages
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
Does CHL Mortgages offer expat buy-to-let?
Yes, CHL Mortgages offers expat buy-to-let products for UK properties owned by borrowers living overseas, making them a good choice for expat landlords.
Does CHL Mortgages offer HMO mortgages?
Yes, CHL Mortgages provides HMO mortgage products for multi-let properties alongside their standard buy-to-let and portfolio landlord products.
Is CHL Mortgages good for portfolio landlords?
Yes, CHL Mortgages offers portfolio landlord solutions with flexible criteria, suitable for experienced landlords with multiple properties.
How to Apply
Broker only. CHL Mortgages products are available through mortgage brokers. Find a broker with CHL Mortgages on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Fleet Mortgages | Buy-to-Let, Limited Company, HMO+1 | Specialist | 80% |
| Foundation Home Loans | Buy-to-Let, Limited Company, HMO | Specialist | 80% |
| Keystone Property Finance | Buy-to-Let, Limited Company, HMO+1 | Specialist | 80% |
| Paragon Bank | Buy-to-Let, Commercial, Development+2 | Specialist | 80% |
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