Buy To Let

Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio you will need to take out a buy to let mortgage rather than a standard residential mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

What is a Buy to Let Mortgage?

A buy to let mortgage is specifically for people who are buying a property to rent out to a tenant or tenants.

How do buy to let mortgages differ from residential mortgages?

Interest rates are usually higher on buy to let mortgages compared to residential. Whereas for residential mortgages your deposit could be as little as 5% of the property value you will have to pay at least 25% for a buy to let mortgage.

Not linked to income

Unlike a standard mortgage, where the amount you can borrow is linked to your income, with a buy to let mortgage, the lender will instead look at how much rent you could make from the property on which the mortgage is secured.

Flexible Appointments

We understand in this modern world life is no longer 9-5 so we offer flexible appointments to suit your needs.

Our Advice

Our initial meeting is free of charge. There is no obligation to use our service. We will only charge if you decide to go ahead and use our services.

The right Mortgage

We will make a full assessment of your needs, priorities and goals and then recommend the right mortgage for you

The right Protection

Having gathered all the information about you, your circumstances and your home, we will provide advice and recommendation on the right protection for you.

Getting you there

We are not just here to arrange your mortgage and protection. We will support and guide you through the home buying process right up to the day you get your keys

The future

We will be here to provide you with help, guidance and advice from re-mortgaging to home moves in the future as your circumstances change.

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.