Buy to Let Mortgages

Buy-to-Let Mortgages 

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Becoming a private landlord isn’t a guaranteed shortcut to easy money. It involves risks, responsibilities, and a considerable investment of time. Property values can fluctuate with the market, so there are no promises of constant growth. That said, with careful planning and commitment, stepping into the world of property letting can offer meaningful financial rewards over the long term.

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Buy-to-Let Remortgages 

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Remortgaging a Buy-to-Let property works much like a residential mortgage. It involves a detailed credit check and property assessment – focused on your investment property.

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The key difference is how lenders calculate what you can borrow – they base it largely on the property’s rental income Typically, lenders expect the projected rental income to cover at least 125% of the monthly mortgage payments, with some requiring more. This ensures your investment remains sustainable and financially secure.   

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Important to know:  Your home may be repossessed if you don’t keep up your mortgage repayments. Most Buy-to-Let Mortgages are not regulated by the Financially Conduct Authority.

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Specialist Buy-to-Let Mortgages

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From Limited Company BTL and Holiday Lets to HMOs and tailored solutions for Portfolio Landlords, we understand that each application comes with its own complexities.

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That’s why working with an experienced advisor matters. Our team has access to an extensive panel of specialist lenders and combines this with years of hands-on expertise to identify the most suitable and cost-effective options for you.

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We make the process smooth, stress-free, and focused on achieving your goals.

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Important to know:  Your home may be repossessed if you don’t keep up your mortgage repayments. Most Buy-to-Let Mortgages are not regulated by the Financially Conduct Authority.