Buy to Let Mortgages
A Buy to Let Mortgage is designed specifically for properties that are rented out. Individuals and companies can use this type of mortgage to generate income from rental profits or future property value increases.
Why Choose A Buy to Let Mortgage?
Buy to let mortgages make property investment accessible to both new and experienced investors. These mortgages often require larger deposits, and the interest rates may be higher than standard residential mortgages. They are mostly based on rental income rather than personal income. However, when done correctly, these mortgages can generate a healthy monthly profit for your investment property. Let us assist you in finding the best deal to maximise your profits.
Investing in a property to rent out offers numerous benefits, making it a popular choice among individuals and businesses:
Investment Growth
Property remains a healthy investment opportunity, with the potential for both rental income profit and long-term capital growth.
Flexibility
Tailored to investors, these mortgages accommodate various property types, from single-unit properties to multi-unit freehold properties or semi-commercial units.
Accessibility
With a wide range of products available, investors can find a mortgage that suits their financial situation and investment goals.
Tax Efficiency
Certain tax advantages can be accessed with buy to let properties, making them attractive investments.
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Frequently Asked Questions
This varies from lender to lender, however, most lenders require a 25% deposit, although some only require 20%.
Yes, this is possible, but you will have limited mortgage options available.
Some lenders do not take into account your personal income when it comes to obtaining a buy to let mortgage, whereas others require you to earn at least £25,000 per annum.
A house in multiple occupation, or HMO, is a rental property where three or more people form two or more households and share amenities within the accommodation, such as toilets, bathrooms, and kitchens.
Yes, it is possible to buy a buy to let property as an individual or as a limited company.
Ready to take the next step?
Our team of experts is ready to guide you through the entire mortgage process. If you have any questions about our services or would like to make an enquiry, please get in touch with us today for a no-obligation chat.