Broker Insights – How NACFB Members Solve the Problems That Banks Won’t Touch

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Broker Insights – How NACFB Members Solve the Problems That Banks Won’t Touch

High street banks prefer straightforward lending – single buy to let properties, long leases, and simple borrower profiles. But the reality for many landlords is far more complex. HMOs, short leases, mixed-use properties, and portfolio restructuring often fall outside mainstream criteria. This is where NACFB brokers add real value, solving problems that banks won’t touch.

Where Banks Say No

Banks typically decline cases that involve:

• HMOs or multi-unit blocks that require more specialist underwriting.
• Semi-commercial or mixed-use properties.
• Short leases or unusual titles.
• Corporate structures such as LLPs or FICs without long trading histories.
• Borrowers with irregular income streams or complex tax arrangements.

How NACFB Brokers Approach These Cases

Instead of trying to fit landlords into rigid criteria, NACFB brokers package applications to highlight strengths and mitigate risks. Their approach includes:

• Identifying lenders with specialist appetite for non-standard assets.
• Presenting professional schedules of assets, income, and liabilities.
• Negotiating covenants and terms that reflect portfolio-level performance.
• Highlighting landlord track records and experience to reassure lenders.

Practical Case Studies

• An HMO landlord declined by a high street bank secures funding through a specialist lender introduced by an NACFB broker, enabling expansion.
• A landlord with short-lease properties obtains refinancing after a broker identifies a lender comfortable with complex title issues.
• A family partnership transitions into a company structure, funded by a commercial lender willing to support restructuring plans.

The Broker’s Edge

NACFB brokers have access to a far wider panel of lenders than individual landlords could reach alone. More importantly, they know how to present applications to address lender concerns head-on. This not only increases approval chances but often results in more competitive terms than landlords could secure directly.

Why This Matters for Landlords

In today’s market, where lenders are cautious and criteria are tightening, creative solutions are essential. NACFB brokers act as problem-solvers, matching complex landlord needs with the right lenders. Their insights and relationships make them invaluable partners for landlords navigating commercial finance.

Conclusion and Takeaway

Banks may avoid complexity, but that does not mean landlords are out of options. NACFB brokers thrive on solving the very challenges that mainstream lenders reject. For landlords, this means more choice, more flexibility, and more opportunity to move forward with confidence.

Next Steps

If you would like to explore how an NACFB broker could solve your finance challenges, please complete the short form below and a consultant will be in touch.

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Published: 14 January 2026

The post Broker Insights – How NACFB Members Solve the Problems That Banks Won’t Touch appeared first on Property118.

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