Buy to Let

Whichever type of buy to let investor you are, the basic principles remain the same: you must buy the right property at the outset, and get the right finance for it. And you must be aware of your legal responsibilities as a landlord and how your investment affects your tax position. Tax issues can be complex with buy to let mortgages, so speak to your accountant to determine your position on buy to let taxes. 

Buy to let mortgage lenders will usually insist that you have a deposit of 25 per cent, so the size of your deposit will help determine the amount you can borrow. Lenders will usually insist that the rent the property will command covers 125 per cent of your mortgage payments. This aims to protect both you and the lender against rental voids – periods when the property is untenanted.

Most landlords source their mortgages through mortgage brokers, who can often offer incentives from lenders that are not available to the public on the high street. We don't charge you any fees for our advice, saving you both time and money.