Buy to Let Mortgages

Looking to buy or refinance a rental property?
We have access to some of the most competitive buy to let mortgages with up to 75% loan to value (LTV)

Buy to Let Mortgages

Buy to Let Mortgages

Landlords come in many different guises… first-time landlords, ‘accidental’ landlords and experienced investors.

How Do Buy To Let Mortgages Work?

Buy to let Mortgages allow the borrower a first charge loan using an investment residential property as security.

A buy to let mortgage provider will lend to a maximum percentage of the property purchase price depending upon their lending criteria, typically the maximum loan to value (LTV)

As a long-term product, mortgage rates tend to be very competitive. The majority of buy to let mortgages offered by Lenders are interest only, this means that each month of the mortgage term you will only pay interest on the loan and not repay any of the capital.

Both fixed or variable rate mortgages are available. A fixed-rate mortgage allows the borrower to plan monthly expenditure, whilst a variable rate mortgage has the advantage of a potentially decreasing monthly repayment.

A buy to let mortgage enables the property to be rented with the mortgage repayments covered by the rent generated by the tenant, usually through an Assured Shorthold Tenancy (AST).

Buy to let mortgages cannot be used for Holiday Lets or Serviced Accommodation properties, without the lenders permission as the tenancy type is different to an AST.

Indicative Terms

Get an understanding of how much you may be able to borrow with a buy to let mortgage and at what terms prior to making an application. You can use Indicative Terms to show that you may be in a financial position to purchase a property with an estate agent or those selling a property.

Some benefits of using us

In addition to property valuations, building insurance, and legal support, we offer a wide range of additional services. For information on this, please see our Business Support Services and Trusted Partner Network.

Our business support and brokerage services include fully packaging and submitting your lending application proposal in addition to ensuring the most competitive rates and terms. We will ensure that your mortgage application is prepared quickly and efficiently. At the same time, we will keep you updated on your application’s progress in order that funds are available in the shortest possible time.

Our offer

In particular, we offer all our clients a truly ‘one-stop-shop’ facility, specifically to provide you with a fully managed and professional business support and brokerage service. Our mission is to secure the most competitive funding offer for your circumstance available from the whole of the market.

Whatever your property finance requirements, we offer a free, impartial, and confidential initial consultation and will quickly assess your funding options.

Request a Call Back

 We will keep your contact details on file for the purpose of dealing with your enquiry. By submitting your contact details via this form, you are agreeing to our Privacy Policy.