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Buy To Let

The last couple of years have seen a large rise in the number of new landlords entering the buy to let market. Some, who have been unable to sell their homes entered the market ‘by accident’, as it represented the only way they could manage to move home.

Whether you are a professional landlord or a newcomer to the buy to let market, we can help you to find the right deals, based upon your circumstances and preferences.

The need for professional mortgage advice in this sector of the market is unquestionable as lenders’ criteria vary greatly.

  • Some will consider an advance of up to 80% of the property’s value whilst, in the case of Houses in Multiple Occupancy (HMOs), the maximum Loan to Value (LTV) is normally 65%.
  • Some lenders require a minimum income of £25,000 per annum whilst others have no minimum income requirements whatsoever, so long as the rental income of the property is deemed sufficient to make the loan self-financing.
  • Some lenders will allow applications from Limited Companies whilst others will not.

Many of our clients have been professional landlords for many years, others have only recently begun to build their portfolio and some have merely let out their former home because they couldn’t sell it for what they considered to be a fair price. They all have one thing in common; they have needed help to find the most appropriate form of funding. We continue to monitor all our clients’ property portfolios on an ongoing basis and are always pleased to acquire new clients in this area.

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

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