Buy To Let Mortgage

Apart from the purpose of the mortgage, a buy to let mortgage, which can also be called an investment mortgage, differs from a standard residential mortgage because a lender will take into consideration the rent you will earn from the property as the primary source of income for affordability purposes. 

When considering a buy to let mortgage application, a lender will typically look for a prospective rental income of 125% of the monthly interest payment of the loan, but may also require the landlord to have a minimum personal income e.g. £25,000 per annum.

Because demand in the rental sector is high, an investment property could be an ideal venture for the right person.  However, finding the right buy to let mortgage has recently become more complex.

Our expert advisers will help find the best buy to let mortgage deal for you to safeguard your investment and maximise profits.  We will help plan your portfolio by understanding your individual circumstances, both now and in the future.

If you are planning your first buy to let purchase or a remortgage project, we have put together some buy to let mortgage tips and advice for you.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Most buy to let mortgages are not regulated by the Financial Conduct Authority.

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Last updated 01 September 2014

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Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.