£206,000 Buy-to-Let Mortgage Secured at 71.5% LTV in Leicester
The client had found the right property — a 3-bed semi-detached house in Leicester — but the purchase came with a hard deadline that left no room for the legals to drift. A2Z structured a £206,000 buy to let mortgage in Leicester, had solicitors instructed within 4 weeks, and chased the legal work through to completion. Five-year fixed, interest-only, 71.5% LTV.
Deal Snapshot
The Client Scenario
The client was purchasing a 3-bed semi-detached house in Leicester as a buy-to-let investment — a £288,000 property that needed a £206,000 facility to complete. The structure was standard for an investment purchase: an unregulated buy-to-let mortgage, interest-only, fixed for five years.
The complication wasn't the borrowing — it was the clock. The purchase came with a hard deadline, and the client needed to complete as quickly as possible to keep the property. On a purchase like this, the mortgage approval is rarely the slowest part of the chain; the legal work is. If solicitors aren't instructed quickly and kept moving, even a clean case can stall for months.
What was at stake was simple: miss the deadline and the client risked losing the property — and every pound already committed to surveys, searches and legal work along with it.
Where a Buy to Let Mortgage Purchase on a Deadline Can Go Wrong
Deadline-driven purchases fail in predictable ways — and almost never because the lender says no. They fail in the gap between mortgage offer and legal completion, where no single party feels responsible for the timeline.
On this Leicester case, the specific pressure points were:
The Solution
A2Z's job on this case was to compress the front end and then own the timeline. The case was packaged for an unregulated buy-to-let purchase and matched to a lender with appetite for the asset and the structure — and solicitors were instructed within 4 weeks of the case starting, keeping the legal clock as short as possible.
From there, the work was relentless follow-up: chasing the client's solicitors directly, keeping queries moving, and making sure nothing sat in an inbox while the deadline approached.
Buying an investment property against a deadline?
Purchase deadlines don't move — so the case has to. We package it right first time, instruct solicitors fast, and chase the legals so your deal doesn't stall.
A2Z Bridging Ltd is authorised and regulated by the Financial Conduct Authority · FRN 808769
The Outcome
Found the Property but Worried About the Timeline?
The finance is only half the job — keeping the deal moving is the other half. Tell us your deadline and we'll structure the case around it.
A2Z Bridging Ltd · Authorised & Regulated by the FCA · FRN 808769 · We are a broker, not a lender.
Frequently Asked Questions
Yes — standard residential stock like the 3-bed semi-detached house in this Leicester case is exactly what buy-to-let lenders want as security. The facility is assessed on the property's rental potential and the borrower's profile, and structures like the one here — £206,000 at 71.5% LTV, interest-only, 5-year fixed — are a typical shape for an investment purchase.
An unregulated buy-to-let mortgage is for property bought purely as an investment — neither you nor a family member will live in it. Because it's a business transaction, it falls outside FCA mortgage regulation, which gives lenders more flexibility on criteria and structure. Most landlord purchases, including this Leicester case, are unregulated BTL.
It's the most common reason deadline-driven purchases stall — the mortgage offer is in place, but the legal work drifts. The fix is process, not luck: instruct solicitors as early as possible and have someone chase both sides relentlessly. On this case, A2Z had solicitors instructed within 4 weeks and stayed on the legals throughout so queries never sat unanswered.
Most BTL lenders lend up to 75% LTV on standard residential stock, with the achievable figure driven by rental coverage, the rate type, and the borrower's profile. This Leicester purchase completed at 71.5% LTV on an interest-only, 5-year fixed structure — comfortably inside standard lender appetite, which also widens the choice of lenders competing for the case.