Buy to Let Mortgages

We make Buy To Let Mortgages

If you’re an experienced landlord or just starting out, you’ll have specialist requirements that set you apart from a standard residential purchaser.

Major Lenders

We can access the major lenders in the buy to let market including those specialising in lending to professional landlords and consumer buy to let.

Don't forget Insurance

We’ve also developed relationships with general insurers who’ve designed specialist landlords buildings and contents policies.

10 steps to Mortgage & Insurance success

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If you ready to secure your dream home and protect it, the easiest way is to search our advisers, view their profile and drop them a message. They will call you back at your chosen day and time at no cost or obligation to you. If you would rather we connect you with the best adviser in your location just complete the quick form, we will arrange a callback for you.
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Can I get a Buy To Let Mortgage

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Loan to value (LTV) ratio

LTV is how much you can borrow in relation to what the property’s worth, Buy-to-let lenders usually offer maximum LTV ratios of around 80%, this means that if the property’s worth £200,000, a lender may be able to offer you a loan of up to £150,000.

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Interest can be 1-2% higher

This is because Lenders view a property that you are not going to personally live in as a greater risk. Tenants do not have the same incentives as an owner occupier to look after the property and there may be times when the rental income does not cover the mortgage payments.

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Current Homeowner

Some mortgage lenders require first time landlords to be homeowners, and to have paid their mortgage without any problems for at least 12 months.

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Payment Types

Most Buy To Let mortgages are interest-only. This means you pay a lower amount on your Mortgage payments each month, but at the end of the mortgage term you repay the capital in full.

Buy To Let news

We have prepared some Buy To Let Mortgage posts.
These may help you if your new to the market or just looking for extra information

Your home may be repossessed if you do not keep up repayments on your mortgage. Some Buy To Let Mortgages are not regulated by the Financial Conduct Authority

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