CHL Mortgage Advisor

CHL Mortgage Advisor

A CHL mortgage advisor can help you if you’re thinking about taking out a mortgage with CHL Mortgages, or if you’re already a customer.

Who are CHL Mortgages?

CHL Mortgages is a buy to let mortgage lender based in the UK with over 30 years of experience.

CHL Mortgages was previously known as Capital Home Loans and was a major mortgage lender before 2008.

Currently, they offer mortgages to landlords and limited companies with a range of chl mortgage products from standard buy to let mortgages to house of multiple occupancy (HMO) mortgages and multi-Unit freehold block mortgages.

CHL Mortgages’ goal is to make it easier for mortgage advisors to serve you. They have a transparent and straightforward approach to business, with no unnecessary obstacles.

CHL work exclusively with mortgage advisors in England and Wales, therefore, you will be unable to get a mortgage directly with them.

Complete our contact form should you wish a mortgage advisor to review your situation and consider an application with CHL mortgages.


An expert mortgage adviser on the phone speaking to a customer

What mortgages does Capital Home Loans specialise in?

CHL offers financing for both standard buy to let properties, house of multiple occupancy (HMO) and multi-unit properties to both individuals and limited companies. They can help from first-time landlords through to experienced portfolio landlords.

CHL mortgages rates

When you’re shopping for a mortgage in the UK, you have many options.

There are over 100 mortgage lenders in the UK, offering more than 15,000 interest rates and deals.

To get the best deal, compare rates across the whole of the market and find the mortgage that fits your needs you should speak to a mortgage advisor.

CHL, offer a range of mortgage products, varying by the loan to value you require. This means that an advisor can find a mortgage that meets your specific needs and goals. For example, if you are looking to maximise the buy to let loan amount, but are restricted by the rental, they can find a mortgage product that is right for you.

Alternatively, if you are looking for a buy to let mortgage on a quirky property, such as an ex-local authority flat or above commercial, an advisor can find a product that meets your needs.

Is your fixed rate is expiring with CHL? (Mortgage product transfer)

CHL mortgages may not be able to offer you a product transfer. If you’re interested in finding a new, lower rate on your mortgage with CHL, speak to a mortgage advisor today. They can review the whole market to make sure you get the best deal possible. The mortgage advisor can handle the new mortgage for you. So you can save yourself some time and hassle.

Flat that has a mortgage from Capital home loans

How long does a CHL mortgages application take?

It typically takes four weeks from application to offer when applying with CHL Mortgages.

However, the time frame might be longer if the deal is less straightforward, due to things like bad credit, a non-standard property type, or perhaps the property requires refurbishment.

It usually takes two to three weeks for CHL to provide a mortgage offer after a property valuation is instructed.

The valuation report usually takes around five days to come back, but if no issues were flagged up, CHL will usually make you a formal offer within a week.

Declined a CHL mortgage?

It may be difficult to obtain a buy to let mortgage offer from CHL if you have experienced major credit issues in the recent past. This is because, like most by to let lenders, CHL primarily deals with individuals who have a good credit history.

If your mortgage application is declined by CHL by another mortgage broker, seek another opinion from an independent mortgage advisor to see if you will qualify for a mortgage with another lender.

The type of property you’re buying, your credit history, income and the affordability of your mortgage payments all play a role in mortgage approval.

Happy mortgage broker giving free mortgage advice over the phone



Capital Home Loans was a large buy to let lender pre-2008. They have re-launched back to market as CHL Mortgages and offer a range of buy to let mortgages to suit borrowers in a variety of situations.

If you’re looking for a buy to let mortgage you should be considering the whole of the market as CHL Mortgages may not be the right mortgage for you. You are unable to apply for a mortgage directly with CHL, therefore it’s a good idea to speak with a advisor to make sure you’re getting the best deal.

A mortgage broker can help you compare rates and find the right mortgage for your needs.

Please complete our contact form should you wish to speak with an expert mortgage advisor.

Please note, although the information on this page is correct at the time of writing, lenders change their policy on a regular basis so please use it as a guide only.

To find out up to date information about lenders and mortgage advice in general, contact a qualified mortgage adviser.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should consult a qualified professional.

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Because we know mortgages can be complicated if you go it alone.

Why match with a mortgage advisOr?

Orange Tick They are experienced, which can boost your chances of being approved.

Orange Tick They can guide you through the whole mortgage process.

Orange Tick They are able to access the whole market, including broker exclusive products.

Get Advice

Our matching service is free and there is no obligation to proceed with the advice.

By completing this form you agree to be contacted about your mortgage enquiry.


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How does I NEED ADVICE work?

1st Stage how mortgage advice works

Fill out our quick form so we can match you with the perfect broker. It only takes a few minutes and won’t impact your credit score.

2nd Stage how mortgage advice works

We will match you to an expert mortgage advisor who can help you in your situation.

3rd Stage how mortgage advice works

An expert mortgage advisor will be in touch to guide you through every step of the process.


Calculate your monthly mortgage repayment.

Please note, this is a guide to how much you’d pay on a repayment mortgage, assuming your interest rate stays the same.

It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors.


“We struggled to make sense of the products available to us in the market on our own. Being put in touch with someone who could understand our circumstances was a huge help. Highly recommended.”

Wayne – Alton

“I was really happy with the mortgage advisor I was matched with. He was very helpful and explained things clearly.”

Tom – Woking

“The person I spoke to got in touch quickly and was able to work out an option for me which I didn’t think I had. Recommended.”

Scott – Selkirk

“My mortgage broker has been really helpful, always responsive, recommended.”

Alastair – Weybridge

“Really useful service, very knowledgeable broker, clearly explained my options”

Charlotte – Addlestone

“Received a call back very quickly from friendly advisor who explained my options… very happy with service.”

Shannon – Leatherhead