Buy To Let

Are you looking for your first buy-to-let property?

Do you have an existing property portfolio?

Buy-to-let mortgages have become considerably more popular over recent years as more and more people see the potential value in becoming landlords and investing in property. In addition to rental income and the potential of property value appreciation, many landlords have a long term strategy and use property as an alternative method of retirement funding.

Things to bear in mind:

Speed is vital

Finding property at the right price is important and when you do you need to move quickly, we understand this and in many cases we are able to have your buy-to-let mortgage agreed within minutes.

Who is eligible?

Buy-to-let mortgages are available for most scenarios, including first-time buyers, remortgages, and limited companies and professional landlords. We will review your own personal circumstances and research the whole of the market to find a suitable buy-to-let mortgage for you.

How much can be borrowed?

Typically most lenders insist on the rental income being between 110%-130% of the mortgage payment. However, it is possible to obtain more flexible lending criteria. We have access to exclusive mortgage schemes which do not use this method of calculation.

Portfolios

Many Landlords continue to purchase after making their first buy-to-let purchase, attracted by the prospect of multiple property ownership. As a result, many investor landlords now re-mortgage to gain more favourable rates and to raise further capital for additional property purchases. As part of portfolio lending we are able to improve your cash flow whilst also improving the terms of your existing finance.

Let-to-Buy

Let-to-buy mortgages are ideal for those who are looking to move house. This typically means that you will rent out your current property and purchase another property to live in.