Buy to Let mortgages are mortgage products designed for you to buy an investment property with the specific intention to let or rent out the property.
The reasons for doing this would generally include for the shorter term generating additional income for yourself or your company and for the longer term capital appreciation of the asset.
To maximise the return on your investment these mortgages are generally setup on an Interest Only basis. This means that none of the capital you borrow will be repaid (unless you make separate provisions) but as you are only paying the interest and not the capital the monthly payments are generally lower than a traditional repayment mortgage that you may be familiar with on your residential home. This could then maximise the income generated from your Buy to Let property.
There are certain requirements and restrictions that must be met when purchasing or remortgaging a Buy to Let property such as owner occupier status and rental coverage. Buy to Let lenders will have separate criteria, therefore a good mortgage broker will review all the details surrounding your property and find the best lender to fit your requirements with a view to making your investment as profitable as possible.
Why talk to a mortgage broker when considering a Buy to Let mortgage?
There are certain requirements and restrictions that must be met when purchasing or remortgaging a Buy to Let property such as owner occupier status and rental coverage. Buy to Let lenders will have separate criteria therefore a good mortgage adviser will review all of the details surrounding your property and find the best lender to fit your requirements with a view to making your investment as profitable as possible.
LTD Company & SPV Buy to Let Mortgages
You could buy your property through a LTD Company or Special Purpose Vehicle (SPV) rather than your personal name changing the ownership structure. There are benefits to speaking with a mortgage broker and your accountants/ tax adviser to explore how this structure may benefit your property investments.
HMO – House of Multiple Occupancy
HMO properties require specialist advice and lenders have separate Buy to Let mortgage products and requirements. Always get the right advice when looking at House of Multiple Occupancy mortgages.
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Andrew at Roxborough from the very beginning has been incredible at every step of the way getting a mortgage for my dream house. His professionalism is second to none, together with his availability, pro-activity, and totally understanding my needs through the whole process has made it so unstressful and easy. I cannot recommend Roxborough more highly. Thank you Andrew and thank you Roxborough.
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