Buy to Let Mortgages
Buy to Let Mortgages
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When investing your money in property, it is so important that you choose your mortgage wisely to get the maximum return, and this is what our team of experts do best.
With the immense changes over the last few weeks given the COVID-19 pandemic, on top of changes from harsher taxation, portfolio landlord rules, to tougher stress tests – the Buy to Let market has polarised enormously but we are completely in touch with exactly what the market looks like right now. Our experts know the market inside and out and thrive on helping landlords like you get the absolute best mortgage there is, in the fast-paced environment that is Buy to Let right now.
The even better news for landlords is with the advent of ‘topslicing’ and affordability based Buy to Let lending, larger loans are more achievable than ever before for higher earners and we can make the whole process hassle-free. We want to make sure you are fully covered, so definitely advise that you also chat to a property tax adviser as well as us, so you head into your investment with your eyes wide open.
If you would like to find out more about Buy to Let mortgages and how it all works, read on…
This Week’s Best Buy to Let Deals
| Type | Pay Rate | Until | Arrangement Fee | LTV % | Final Rate | How much can I borrow? |
|---|---|---|---|---|---|---|
| Fixed | 1.35% | 2 years | £995 | 60 | 4.09% | Call us for a full mortgage illustration |
| Fixed | 1.59% | 2 years | 2% of the loan | 75 | 5.24% | Call us for a full mortgage illustration |
| Fixed | 1.64% | 5 years | 2% of the loan | 65 | 4.74% | Call us for a full mortgage illustration |
Buy to Let – Bigger & Better
Here are just some of the reasons why you should consider a Buy to Let mortgage through us for your next investment:
- Portfolio landlords with larger numbers welcome.
- Larger loans with ‘topslicing’ of personal income.
- Affordability based mortgages for larger loans.
- Joint borrower and sole proprietor options for tax efficiency.
- 85% LTV – or more with additional security.
- Mortgages for non-homeowners.
- Consumer Buy to Lets.
- Guaranteed rental schemes allowable.
- Schemes for first-time landlords available.
- Get the right advice for your long term sustainability.
In A Hurry? Talk To An Expert Now
Real Relationships, Not Robots
Here are just some of reasons why you should consider a Buy to Let mortgage through us for your next investment:
- You’ll get expert advice with the human touch.
- You’ll always get the real cost of a deal including payments and fees over a specific period, not just the initial rate.
- You’ll get access to over 25 lenders a month and over 50 a year, as we are true whole of market brokers.
- No matter how complex your needs, we can help
- You’ll get unlimited lender access through our brokers.
- Impartial mortgage advice – We work for you, not the banks.
- Your investment will benefit from our unparalleled & intricate knowledge of Buy to Let, portfolio landlord, PRA regulation, SPV and HMO criteria.
- You’ll get access to semi & exclusive schemes which aren’t available to you direct.
- 100% free no-obligation mortgage quotes filled with expert insider tips.
- You can get access to lender credit committees for larger deal signoff exceptions.
- Secure larger loans – we have an array of affordability and top-slicing based loans to push lending limits.
- Free consultation with household name accountants and tax advisers.
- Quick, easy, hassle-free lending as we do all of the admin
- You can be confident that you have the best deal as we collaborate with you to incept your investment plans.
Buy to Let Mortgages – the detail
To say that Buy to Let is more complex than it was three years ago is one of the biggest understatements you can make in mortgage circles.
The tough tax changes brought into the market in 2017, the stamp duty surcharge and seismic changes in underwriting due to PRA regulations. Not to mention higher notional rates of interest being used to assess the affordability of Buy to Let loans has in the main had the effect of reduced loan sizes, unless you have the sizeable personal income to counter. Landlords like yourself can be forgiven for feeling somewhat targeted by the exchequer. The senior mortgage brokers at The Buy to Let Broker have seen more changes over the last three years, than in the previous 20.
The broker market has polarised hugely and many ‘typical’ mortgage brokers are understandably turning away from Buy to Let in favour of simpler, less complex residential transactions. The sentence we hear the most from our new clients? “My normal mortgage broker doesn’t do….”
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We know your time is valuable, so we just need a quick chat to get some more details about what you really need. Your dedicated mortgage broker will then scour the market using the latest software and all of our contacts to identify the right deal for you. We work with a huge range of lenders including BM Solutions, The Mortgager Lender, Barclays, Nationwide, Natwest and The Mortgage Works to name just a few.
If a Buy to Let Mortgage sounds like the right thing for you, get started for free now and have a play with our mortgage affordability calculator. This will show you some of the latest Buy to Let rates available but we definitely recommend that you get in touch with our advisors as we the love the challenge of getting you an even better deal.
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Want To Know More? Here’s How Our Buy to Let Mortgages Work
Talk To One Of Our Mortgage Brokers
To get started, you can call us on 08009499410 or simply fill in your details below and one our friendly mortgage brokers will be in touch shortly to discuss all of your options for a Buy to Let Mortgage.
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Rental income can impact your tax so we strongly recommend that you get in touch with a trusted tax advisor before committing to a Buy to Let property. The HMRC Revenue and Customs website is also a welcome source of info.
Just like your home, your buy-to-let property may be repossessed if you do not keep up payments on your mortgage.
