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Buy To Let Mortgages

Properties Let out on an Individual basis

  • 85% Loan to Value (LTV) mortgages available
  • 100% Loan to Value (LTV) available with additional security
  • No minimum income required
  • No maximum age requirements
  • Personal or Limited Company finance available
  • Interest only mortgages available
  • Ex-Pat & Foreign national mortgages available
  • Second charge finance available
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Buy To Let Explained

Buy-to-let is a type of property investment strategy in which an individual purchases a property with the intention of renting it out to tenants, rather than living in it themselves. The aim is to generate a steady income from rental payments and, in many cases, benefit from long-term capital appreciation (the property's value increasing over time).

Key features of buy-to-let properties include:

    • Rental Income: The primary objective is to earn a regular income from tenants who pay the rent each month.
    • Capital Appreciation: In addition to rental income, investors may benefit from the increase in property value over time, which can lead to a profit if the property is sold at a higher price than the original purchase price.

Buy-to-let mortgages are the most common financing method, these mortgages are typically based on the rental income the property is expected to generate or what the property is already receiving (passing rent), rather than the buyer's salary. The rental income is independently verified by a valuer during the mortgage process.

Buy To Let Mortgages available

We understand the different types of buy to let finance and can help you reach your goals
  • Buy to Let mortgages - Single lets for a singular household. These are typically houses or leasehold flats. These are most common type of investment property in the UK.
  • Let to Buy mortgages - Looking to rent out your existing home and buy another home. We have access to low cost lenders who will help you refinance and buy your next home.
  • Limited Company Buy to Let mortgages - A tax efficient way of holding a buy to let property (Click here for more information).
  • Houses of Multiple Occupation (HMO) mortgages - Properties with 3 or more unrelated households. These can range anywhere from 3 tenancy agreements up to 12 plus tenancy agreements under a single property. A great way of getting more rental income (Click here for more information).

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