Buy to Let Investments

Additional Information

We work with both new and experienced investors to find the most suitable rates and terms that fit with your objectives, be it income or capital growth. We know which lenders are best suited to certain types of investors and properties. We pride ourselves on having our finger on the pulse when it comes to new products, including mortgages for individual investors and limited companies.

We can support you with new mortgage applications, re-mortgages, bridging finance and if you're considering letting out a property you currently live in, then we can provide specialist advice on the best way to restructure your borrowing.

factors to consider

Investors usually require a larger deposit of at least 15%

You may need to prove that you can cover the mortgage payments should the property become empty

There is an additional 3% Stamp Duty surcharge on buy-to-let properties and second homes (excluding holiday lets)

You should decide whether to buy in your own name or a limited company. We would suggest you take specialist tax advice to make this decision.

You can normally borrow a higher loan to value by taking a long term fixed rate or buying through a Limited company

protecting your investments

When taking out finance for a mortgage, it’s important to have the right insurance policies in place. Mortgage lenders require you to have adequate buildings insurance on the property from the point of exchange and throughout the term of the mortgage. You should also consider insuring your contents and writing a will if you don’t already have one in place.

You may also need to arrange life insurance to repay the amount you’re borrowing, should you die during the mortgage term.