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Buy to Let

We'll help you acheive the most from your property investment

  • Not necessary to be a home owner with first time buy to let mortgages
  • Some of our products have no credit scoring on some mortgage products

How to get the most from your investment

The key to making a buy-to-let venture work for you is finding the best possible mortgage deal. That’s why it’s so important to take impartial advice – especially in today’s market.

While buy-to-let mortgages are similar to residential home loans, there are some very important differences that our expert advisers can help you get to grips with.

For example, buy-to-let mortgages require a larger deposit than regular loans (typically 25%), and you’ll need to show the lender that the rent will cover your interest payments on the mortgage by at least 125% – in case the property stands empty for a while or needs maintenance. You should also set money aside for arrangement fees, which can be as much as £2,000.

Sizing up the benefits of buy-to-let

On the bright side, buying a property to let out offers the appealing prospect of a potential rental income, plus the possibility of equity to unlock later if property values increase. In fact, the right investment can give you a gross return each year of between 5 and 10%. That’s well ahead of what any savings account will currently give you, albeit with more risk attached.

And while average property prices across the UK have been flat in recent years, rents have been on the increase. Acting quickly, with confidence, is the key for buy-to-let deals.

Let’s get the ball rolling

Answer a few simple questions about your circumstances and we’ll do the rest