BUY TO LET

Borrow the money to make money.

If you are looking to purchase a property to rent out for investment purposes then a Buy to Let mortgage is for you. These mortgages are based on the rental income from the property not your personal earnings.

Buy-to-Let: The facts

There are a number of rental strategies and investment styles when it comes to Buy to Let. Some buy into personal names while other may buy into a Limited Company or Limited Partnership. This is an area with a wide variety of options, to understand your requirements it is best to give us a call.

Affordability based on rental income
Interest Only Available
Up to 85% Loan to Value
Low rental-yield options available

Suitable for:

  • First time buyers
  • Experienced & First time landlords
  • Single tenancy agreements
  • Holiday lets
  • HMOs
  • Limited Company Purchases
  • Limited Partnership purchases
  • Low rental yield options
  • Commercial Lets
  • Applicants with low amounts of earned income
  • Applicants with only investment income
  • Expats

Not Suitable for:

  • Properties that are not currently habitable
  • Applicants without any earned or investment income
  • Applicants without a deposit
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Questions you may have.

What are the main differences between a residential and a buy to let mortgage?

Buy to Let mortgages are designed for rental properties, their affordability is based on the rental income from the property and they usually on an interest-only basis.

How is affordability calculated?

The rental income from the property is used, it must exceed the mortgage payment by a certain amount. Lenders vary on their exact calculations on how much income can be used.

Why do I need to show an earned income?

Lenders need to know that should the property be vacant, you have an additional form of income to cover any payments. However, there are some lenders who have no specific minimum amount of income.

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