Saffron for Intermediaries has today, 3rd December 2025, launched a new set of specialist lending changes.
The lender has introduced bridging finance, a full end-to-end property development finance solution and made enhancements to its buy-to-let (BTL) range.
Saffron has launched expat limited company BTL, opening up lending to overseas clients using company structures.
The lender has also improved its BTL products by allowing lending up to 80% loan-to-value (LTV) for expat clients and giving access to first-time buyers (FTBs) and first-time landlords, provided one applicant meets minimum income requirements.
Saffron now accepts newly registered limited companies for BTL loans, with no personal guarantees required up to 55% LTV.
The wider range allows loan sizes up to £3m, with interest-only or repayment options and no external exposure limit.
Additionally, Saffron also launched a new house in multiple occupation (HMO) product, available for both individual landlords and limited companies.
In development finance, Saffron introduced a pre-development bridge for developers to secure land, with lending up to 65% LTV with planning approval and up to 50% LTV pre-approval, for up to 18 months.
The lender’s development finance product offers up to 90% loan-to-cost and up to 70% gross development value (GDV), covering land purchase and construction costs.
A new exit bridge product offers lending up to 75% LTV for up to 18 months, allowing developers to refinance completed or near-completed schemes.
Saffron has also updated its residential criteria.
Annexes with separate utilities are now accepted, and properties with up to two kitchens are eligible.
Tony Hall, head of business development at Saffron for Intermediaries, said: “This is one of the most significant specialist lending developments we have delivered, and reflects the changing needs of the market.
“Our new end-to-end property development proposition gives brokers a fully connected pathway from site acquisition through to project completion, with a bridge at the start, development finance in the middle, and an exit bridge at the end.
“This creates a seamless journey that removes friction and ensures clients have support at every stage of their development project.”
Hall added: “At the same time, we have strengthened our Buy-to-Let offering to provide greater flexibility for expat clients, limited companies and experienced landlords.
“These changes allow brokers to service a wider range of complex and investment-based enquiries.
“At Saffron, we believe progress is achieved through continuous refinement, careful expansion and solutions that reflect how brokers are supporting clients today.
“These updates sit at the heart of that philosophy.”
