Buy-to-Let Mortgages

Buying property to rent out privately is hugely popular in the UK, with around 10% of all mortgages taken out being buy-to-let mortgages.

Lenders now offer a variety of mortgages tailored specifically for the buy-to-let market. Our Financial Advisers are available to advise you on all aspects of your investment.

Buy-to-Let v Normal Mortgage

Normally lenders will lend up to 80% of the purchase price of the buy-to-let property, whereas if you were buying a home you may be offered up to 125%. Interest rates on buy-to-lets are usually about 0.5% higher than on a normal or standard variable rate mortgage.

Property Investment Tax Planning

A common misconception is that paying cash for a second property is the best option. However, with tax incentives available for using a buy-to-let mortgage, our Financial Advisers can make sure your purchase is carried out in the most tax efficient manner possible.

Impartial Advice

Lenders view buy-to-let mortgages as 'specialised borrowing'. Not every lender offers competitive buy-to-let mortgages and some charge higher fees. Our Mortgage Sourcing System allows our Financial Advisers to review the whole market to ensure that you get the most competitive deal available. We can even help you with getting a deposit and obtaining specialised Landlord’s Insurance.

Added Value

Our partnership with Aberdein Considine means that we are able to put you in touch with an experienced property solicitor who can provide you with quality advice with regards to your purchase. With a wealth of experience in the local property market, Aberdein Considine's solicitors can guide you through the buying process, advise on 'up and coming' areas and even offer you discounted legal fees as an Independent Financial Centre client.