Buy to let mortgages

Buy to let mortgage overview

A buy to let mortgage is a loan secured against a property, where the borrower intends the property to be rented to tenants. As a result the criteria for qualification also includes projected rental income along with evidence of regular income. Typically, the monthly rental income will have to be between 125% and 130% of the monthly repayment value. Buy to let mortgages are available as an interest only mortgage or as a repayment mortgage. A repayment buy to let mortgage is more suited to people looking at houses as a long-term investment. Those looking to grow their income faster tend to opt for interest only mortgages.

Buy to let mortgage options

The Financial Services Authority suggests that before you consider taking out a long term financial product such as a buy to let mortgage that you may wish to consult a financial advisor. Our fully independent financial advisors have a great deal of experience of working with clients to research the buy to let mortgage market and find a product that is right for them.

Free buy to let mortgage consultations

Our aim is clear, to provide buy to let mortgage advice that best fits our clients’ needs. We are able to do this as we are fully independent. We search the entire market to recommend the right product. We offer free consultations to allow you to discuss your buy to let mortgage requirements with us. During this consultation, our financial advisors will discuss every element of the particular mortgage arrangement to allow you to make an informed decision as to the best way forward. To arrange your free consultation please >click here.

Please note: Your home may be repossessed if you do not keep up the repayments of a mortgage or loan secured on it.