Buy to Let Mortgages

Whether you’re an individual or limited company, buying your first buy to let property or have a portfolio of properties to manage we will broker the right mortgage for your property business.

Borrow up to 80% loan to value ratio
Buy to let Mortgages allow the borrower a first charge loan using an investment residential property as security.
The buy to let mortgage is set-up so that the property is tenanted out and the mortgage payments are covered by the rent generated by the tenant within the security.

The two main types of buy to let products are:

  • Interest only products​
  • Capital and interest repayment products​

A buy to let mortgage provider will lend to a set percentage of the purchase price of the property and this is generally at the top end (Loan to Value) of alternate forms of finance, as of late 2018 the highest LTV available are 75-80%.

As a long-term product the rates often tend to be very competitive and the borrower is provided with a choice of a fixed or variable rate product. A fixed rate product allows the borrower to plan monthly expenditure; a variable rate product holds the advantage of a potentially decreasing monthly payment.

Holiday Home Mortgages

Borrow up to 80% loan to value ratio

A holiday home mortgage allows the borrower a first charge loan using an investment residential property as security.

The holiday home mortgage is set-up so that the property is rented out and the mortgage payments are covered by the rental income generated by the holiday maker within the security and has long term tenancy restrictions.

A holiday home mortgage provider will lend to a set percentage of the purchase price of the property and this is generally at the top end (Loan to Value) of alternate forms of finance, as of late 2018 the highest LTV available are 75-80%.

As a long-term product the rates often tend to be very competitive and the borrower is provided with a choice of a fixed or variable rate product. A fixed rate product allows the borrower to plan monthly expenditure; a variable rate product holds the advantage of a potentially decreasing monthly payment.

Serviced Accomodation Mortgages

Borrow up to 80% loan to value ratio
Serviced accommodation mortgages allow the borrower a first charge loan using an investment residential property as security.

The serviced accommodation mortgage is set-up so that the property is tenanted out for short terms of stay and payments are covered by the income generated by the short stay booker within the security and has long term tenancy restrictions.

The 2 main types of buy to let products are:

  • Interest only products​
  • Capital and interest repayment products​

A serviced accommodation mortgage provider will lend to a set percentage of the purchase price of the property and this is generally at the top end (Loan to Value) of alternate forms of finance, as of late 2018 the highest LTV available are 75-80%.
As a long-term product the rates often tend to be very competitive and the borrower is provided with a choice of a fixed or variable rate product. A fixed rate product allows the borrower to plan monthly expenditure; a variable rate product holds the advantage of a potentially decreasing monthly payment.

HMO Mortgages

House of multiple occupancy (HMO) mortgages allow the borrower a first charge loan using an investment residential property as security.

An HMO Mortgage is a conventional buy to let mortgage taken over a security that has multiple tenants. It is referred to as a House of Multiple Occupancy and generally has shared bathing and kitchen facilities.

An HMO mortgage provider will lend to a set percentage of the purchase price of the property and this is generally at the top end (Loan to Value) of alternate forms of finance, as of late 2018 the highest LTV available are 75-80%.

As a long-term product the rates often tend to be very competitive and the borrower is provided with a choice of a fixed or variable rate product. A fixed rate product allows the borrower to plan monthly expenditure; a variable rate product holds the advantage of a potentially decreasing monthly payment.

Portfolio Mortgages

Portfolio mortgages allow the borrower a first charge loan using investment residential properties as security.

​A portfolio mortgage can straddle the border between buy to let lending and commercial mortgages as a loan over multiple properties. In a buy to let form this will take individual loan charges against each property whereas in commercial form a single loan facility can stretch over multiple properties. The former tends to be interest only, the latter amortising.

A portfolio mortgage provider will lend to a set percentage of the purchase price of the property or properties and this is generally at the top end (Loan to Value) of alternate forms of finance – as of late 2018 the highest LTV available are 75-80%.

As a long-term product the rates often tend to be very competitive and the borrower is provided with a choice of a fixed or variable rate product. A fixed rate product allows the borrower to plan monthly expenditure; a variable rate product holds the advantage of a potentially decreasing monthly payment.

Contact Us today to arrange your buy to let mortgage or refinance.