Buy To Let Mortgages

Whether you’re a first time or experienced landlord looking to get a buy to let mortgage or remortgage your existing buy-to-let, we can recommend the most suitable buy to let mortgage for you.

There are some restrictions you may come across when requesting a buy to let mortgage but with access to a wide range of lenders across the UK, we can look at your circumstances and recommend and arrange the right mortgage for you.  When assessing affordability it is likely that the rental income you will be receiving will have an impact over this.

Interest Only vs Capital Repayment

Choosing whether to take out an interest only or a repayment mortgage can be a complicated decision to make if you do not have help from an expert. If you are a landlord or property investor, choosing the interest only route is potentially a better choice as you have the necessary cashflow to invest in multiple properties as a long-term investment.  This is a long-term investment which you hope will generate rental income along the way and a profit when you sell the property, but bear in mind that if you need access to some cash a property can take time to sell or re-mortgage.  If house prices fall, you might not be able to sell for as much as you had hoped.

For clients investing in property as a way of raising some pension funds or wanting to invest in just one or a few properties then the repayment method is a better choice.

Buy-to-let Remortgage

There are several re-mortgage options available to you if you own more than 25% of the property. With access to a wide range of mortgage lenders across the UK, we can provide a cost-effective solution allowing you to raise extra money to use however you like, for example as a deposit for another property. It is important to keep in mind that the Financial Conduct Authority will not regulate this kind of mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.