Independent Mortgage Advice for buy to let landlords

buy to let independent mortgage advice Investing in property could provide you with a regular income and/or the potential for capital growth, but as with any investment, there are always risks to be considered. As independent mortgage advisors, we can help you to find a suitable mortgage and understand all the benefits and risks associated with property investmnt.

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Buy to Let explained

The following paragraphs provide and insight into the key points to consider for any potential buy to let investors.

A Buy to let mortgage allows you to buy a property and rent it out for commercial gain. The terms and conditions of a standard residential mortgage prohibit this. The rent that you receive should at least cover the monthly mortgage payments or you will have to pay the difference yourself. The benefits are the potential to gain from an uplift in valuation or provided the rent received is higher than the mortgage costs, equity can be accrued in the property over time or an income can be derived. With the mortgage being paid for you, it might be easy to get complacent, however it is essential to remember that there are risks, and if your property is empty or your tenant chooses not to pay (it happens), you will still have to pay the mortgage. This could be costly, and therefore we recommend that you ensure you have sufficient personal income to afford some or all of the additional mortgage costs if the worst case scenario occurs.

Is Buy to Let for me?

Our Services

Every case will be discussed individually, but the following areas are most common:

Next Steps

If you think buy to let is for you and you wish to enquire further, fill in our enquiry form and an advisor will get back to you at the next possible opportunity.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For mortgage advice we can charge a fee of typically 500 or we can receive commission from the lender.