Buy to Let Mortgages
Property has been a popular investment for some time, as part of investment portfolio, and an addition to providing an income in later life.
As with any investment, maximising return is the top priority with Buy to Let, and getting the finance structure right is key to achieving this.
Here at Mortgage Response, we’ve been advising clients on Buy to Let finance for years. No two clients are the same, and our clients range from first-time landlords to experienced multi-property portfolio landlords.
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In whose name?
In the past, most investment properties were bought in personal names. However, times have changed, and an increasing number of investment properties are now being purchased in a limited company structure. Our access to the whole of the market, plus our expertise in this field means that we’ll be able to explain both options and to give you the best choice.
It’s a taxing issue
Changes to the taxation of investment properties over recent years has led to a tightening of lender’s affordability criteria. This is why getting expert advice on Buy to Let mortgages is crucial if you are to get the level funding you require. We have the expertise to help.
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Why getting the best advice matters
The criteria surrounding Buy to Let mortgages is complex and completely different to residential mortgages.
Several factors are considered, such as the likely rental income for the property, the type of mortgage product, your personal tax status, or whether you are purchasing in your personal name or in a limited company structure. These will all affect the amount you will be able to borrow. Add to this how the property will be let, be that as a single-family unit, a house of multiple occupancy, a short-term holiday let, or as part of a multi-unit freehold block. We can navigate all these areas for you.
Recent changes to regulation and to the way that lenders treat applications from landlords with multiple properties both highlight the need for getting the best advice from market experts.
If you’re looking to fund the purchase of an investment property or to get advice on your existing property investment funding, get in touch with us now.
*Please note that not all Buy to Let mortgages are regulated by the Financial Conduct Authority.
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There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be up to £450.
Your home may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Mortgage Response is a trading name of The Mortgage Shop (UK) Ltd which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
The Mortgage Shop (UK) Ltd Financial Conduct Authority register number: 951591
Registered Office: 6 Wellington Place, Belfast. BT1 6GE
Registered Company Number: NI26842 Registered in Northern Ireland
Mortgage Response registered office: 23 Beach Road, Caister-On-Sea, Great Yarmouth, England NR30 5ER