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The key to making a buy-to-let venture work for you is finding the best possible mortgage deal.

That’s why it’s so important to get the right advice – working with a professional adviser to secure the most appropriate deal has never been more important. especially in today’s market.

  • You can borrow up to 85% of the property’s value
  • No minimum personal income required with certain lenders
  • First time landlords accepted
  • First time landlords do not need to be a home owners
  • Lenders available for HMO’s and student lets
  • Multi Units lets accepted
  • Limited Company Buy To Lets accepted
  • No credit scoring on some mortgage products

Buy to Let mortgages are a lot like ordinary mortgages, but with some key differences:

  • The fees can be higher.
  • Interest rates can be higher.
  • A lot of investors have their Buy to Let mortgages on interest-only. This means you don’t pay anything each month, but at the end of the mortgage term, you will need to repay the original loan in full. (BTL mortgages are also available on a repayment basis.
  • Most Buy to Let mortgage lending is not regulated by the Financial Conduct Authority (FCA). There are exceptions, for example, if you wish to let the property to a close family member (e.g. child, parent or sibling). These are referred to as a consumer buy to let mortgages and are assessed according to the same strict affordability rules as a residential mortgage.

Understand all of the costs

Take time to understand the costs involved in buying, running and maintaining your Buy to Let property.

*Your home may be repossessed if you do not keep up repayments on your mortgage*

*The Financial Conduct Authority does not regulate Let to Buy Mortgages*

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