In recent years property has been considered a good long-term investment as part of a balanced property portfolio. If you’re buying a property as an investment you can enjoy an income from the property, but there are lots of things to consider to ensure you meet your responsibilities as a landlord. Whether you’re about to buy your first investment property or are adding to a successful property portfolio, we can help you find the latest and best buy-to-let mortgage rates to make sure you’re getting the most from your investment.

Understanding the difference

A buy-to-let mortgage differs from a residential mortgage in a number of ways and we can guide you through what you need to know before you embark on investing in a buy-to-let mortgage. From understanding you need to be able to pay the mortgage payments even if the property is empty, to making sure the whole proposition is profitable, we’ll talk you through what you need to know.

Informed decision

Unlike a residential property, how much you borrow will generally depend on the expected rental income of the property as well as its value. Most lenders require a minimum 25% of the value of the property as a deposit and interest-only mortgages are attractive to many investors. We will help you understand the difference between an interest-only mortgage and a repayment mortgage and guide you to the correct choice for you. Our jargon-free approach will help you understand exactly what your mortgage means and because we have access to a wide range of lenders, we can find the best deal for you.

If you’d like to discuss a buy-to-let mortgage, get in touch with us on 01621 842 808.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
COMMERCIAL MORTGAGES AND MOST FORMS OF BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.