What do I need to pay?

Individual

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Buy within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

Earn minimum 21k

Have a minimum income of £21,000, applicable to at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property Condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies.

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively.

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies.

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively.

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies.

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively.

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Individual

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies.

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively.

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Limited Company

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies.

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively.

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Landlord experience

Only experienced landlords are accepted, not first-timers.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Maximum number of bedrooms

There can’t be more than 12 bedrooms.

Sufficient liability insurance and savings set aside for property upkeep and emergencies.

Tenants

Tenants with diplomatic immunity aren’t accepted.

Property value limit

The property needs to be valued at least £200,000 in London or £100,000 elsewhere.

Income coverage ratio

Your income should comfortably cover your expenses and show you can manage your finances effectively.

HMO licence

If needed, the conveyancer (legal advisor) should confirm that an application for the licence has been made before the purchase is completed.

Buying within the UK

If you’re purchasing property in England and Wales, you’re eligible for financing.

At least 21

You need to be older than 20 to be eligible for financing.

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Buy within the UK

You intend to buy property in England or Wales

Earn minimum 21k

The minimum income required is £21,000 for at least one applicant.

Property value limit

The property’s value falls between £80,000 and £5 million.

At least 21

You need to be older than 20 to be eligible for financing.

Experienced in letting

For portfolio applications, we require candidates to have at least 2 years of experience as a Buy-to-Let landlord. First-time landlords can apply for standard Buy-to-Let properties however HMO or MUFB applications need prior experience.

Property condition

The property must meet certain standards for habitability and safety, as determined by a professional inspection.

Finance limit

Finance amount falls between £60,000 and £1 million, with a total aggregate exposure limit of £2.5 million.

Personal account

You need to have a UK bank account in your name.

Expat eligibility

It doesn’t matter if you’re halfway around the world, we’ll take a look at your finance requests. Check here to see if you’re expat eligible

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.

Agreement with Offa

The agreement will be made between Offa and the company.

Company Eligibility Rules

Companies must be registered and operating in England or Wales.

Listing Directors Requirement

All directors applying must be listed in the application to Offa.

Business Purpose and Industry Codes

The company must be established to purchase and manage residential investment properties, indicated by SIC codes 68100, 68209, 68320.

Shareholder-Director Rules.

Everyone listed in the application must also be shareholders.

Company Ownership and Shares

All shareholders must be directors and collectively own 75% of the company’s shares.

Personal Guarantee by Shareholders

Offa will ask shareholders to personally guarantee the finance amount.

Legal Advice Necessity

Shareholders must obtain independent legal advice on personal guarantee from a solicitor not associated with Offa,

Process for Overseas Directors

Offa will review applications if directors are non-UK residents, and all directors must be UK citizens.