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.
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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
We're working on adding live mortgage rate information for CHL Mortgages. In the meantime, visit their website for the latest rates.
View rates on CHL MortgagesApplication 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?
Does CHL Mortgages offer HMO mortgages?
Is CHL Mortgages good for portfolio landlords?
How to Apply
Broker Only
CHL Mortgages products are only available through mortgage brokers. Use our broker directory to find a broker with CHL Mortgages on their lender panel.
Contact Information
Need a CHL Mortgages Broker?
Find FCA-regulated mortgage brokers who have CHL Mortgages on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.