Buy To Let Mortgages
Find out about Buy To Let investments and mortgages
- One hour decision in principle
- No proof of income
- Competitive interest rates
- Fast Payout
- 85% LTV, 100% with extra security
- Range of rental cover
- Fixed rate, discounted & tracker deals available
- Late payments, arrears, CCJ's, all considered
Don't delay, why not talk to us about buy-to-let mortgages 0845 652 8704 or fill in our brief "contact" form here for a free initial consultation.
Why not take a look at some of the Buy-To-Let mortgages we have completed previously.
Buy To Let Mortgages
Buying property to let and becoming a landlord is a tried and tested method of obtaining a sizable return on your investments. Typical rental cover required by lenders is in the range 100%-130% of your buy to let mortgage interest payments, leaving the investor to benefit from any capital appreciation over the longer term
What is buy to let?
Investing in property to let to tenants in return for a rental income and the prospect of capital appreciation is a popular method of saving for the longer term. Many investors believe this is one of the safest methods of saving for the future. However as with any investment returns are not guaranteed, in particular over the short term, so invest for income in the short term.
How we can help
Our experience and knowledge of the buy-to-let mortgage marketplace with access to a large panel of lenders, gives you the buy-to-let investor, the widest possible range of options at your finger tips. We regularly have access to mortgage products not available direct to the investor and therefore can offer the greatest level of choice to our customers.
Top buy-to-let investing tips
To help our customers here is a list of our top tips any buy-to-let investor needs to consider when buying a property for both novice and experienced investors.
- Do your research - make sure any potential property purchase is in a good rental area and that local rents can cover your mortgage costs.
- Will you be managing your portfolio or will you use an agent. If using an agent remember to factor in those costs when assessing the potential of a prospective purchase.
- Who is the likely tenant & is the property suitable, what will their expectations of the property be? Will you need to redecorate or totally refurbish to secure your ideal tenant? Work out those costs!
- Make sure you can cover those periods inbetween tenants (known as voids) when there will be no rental income.
- Total up all the likely purchase and mortgaging costs and make sure you can cover those costs.
- Will the mortgage lenders valuer agree with your valuation and likely rental income, if not, you could waste money on an aborted mortgage application.
- As an investor there will be no chain to delay any purchase so always negotiate a discount with the vendor.
- Make commercial decisions, which are not the same as for property you may wish to live in.
- Often the best buys are next to areas where prices have already gone up and experience a "ripple effect".
- Check & confirm your research with parties who have no interest in the transaction.
- Don't overstretch yourself, take your time building your portfolio and enjoy the fruits of your investments!
We search the whole lender market and products only available to specialist packagers to find the best buy-to-let mortgage, so why not contact us now and see what deal we can find for you!