Buy-to-Let Mortgages
Planning
If you’re planning to buy a property to rent out, you’ll need a buy-to-let mortgage. As many landlords know, the market has changed a lot in recent years — but there are still plenty of great mortgage options available.
Whether you’re an experienced landlord with a portfolio of properties or you’re investing in your very first buy-to-let, property can be a valuable long-term asset.
We can help you find a competitive buy-to-let mortgage from a wide range of products across the market, whether you’re purchasing a new investment property or remortgaging an existing one.
If you’re considering buying to let, securing the right mortgage is one of the most important steps. You won’t be able to use a standard residential mortgage — you’ll need a specialist buy-to-let mortgage designed specifically for landlords, and that’s where we come in.
Rates
Buy-to-let mortgage rates vary and are dependent on the risk of the mortgage to the lender as well as the deposit available for an individual to put down. Buy-to-let mortgages rates are often higher than residential rates.
With a buy-to-let loan, mortgage lenders will look at the expected rental income and some may require a minimum earned income too.
You can usually choose between a range of mortgage deals, including fixed rate and tracker loans. Arrangement fees also apply and they can be high.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Contact us