If you’re looking to add a property to your portfolio, we’ll help you find the right mortgage to enable you to do so.
Also, we can review your existing buy-to-let mortgages to help you to make the right decisions going forward.
We’ll use our significant expertise and market connections to find the right lender for you, ensuring you raise the finance you need.
Clients ask us…
Should I use a pension or buy-to-let to provide for my retirement?
Buy-to-let property, as well as pensions, are popular investment vehicles for retirement planning. We’ll look at the advantages and disadvantages of each, advising which option is best suited to your circumstances.
Can I have more than one buy-to-let?
There’s no limit to the number of buy-to-let properties you can have. However, some lenders will have their own internal cap on the number of properties you can own. If you’re looking to add a property to your portfolio, we’ll help you find the right mortgage to enable you to do so.
How much deposit do I need?
The minimum deposit for a buy-to-let mortgage is around 25% of the property's value, although this can vary.
Why should I use a mortgage adviser?
We’re here to remove the hassle of finding a suitable mortgage, saving you time and money. Our team will find the right mortgage deal suited to your circumstances, with the right interest rate.
How much can I borrow?
The maximum you can borrow is linked to the amount of rental income you expect to receive. Lenders usually need the rental income to be 25–30% higher than your mortgage payment. We’ll help you calculate how much you could afford to borrow when moving house.
I didn’t intend to own rental property – how does it all work?
We find a lot of buy-to-let landlords are actually what is called “Consumer buy-to-let owners”. These are regulated buy-to-lets. Examples of this are often “accidental” landlords, who have perhaps inherited a property. We can help navigate the mortgage market, as well as guide you towards professional contacts, such as accountants, who can help with tax returns.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some Buy to let mortgages are not regulated by the Financial Conduct Authority.