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Buy To Let Mortgages UK
Welcome to our unique MORTGAGE INTRODUCTION SERVICE
A Buy To Let Mortgage is a mortgage loan secured against a property that is rented / let out to a third party(s) by the applicant (borrower) and is not lived in / occupied by the borrower. It can otherwise be known as an investment mortgage, investment property mortgage or a commercial mortgage.
In calculating the affordability of a Buy To Let Mortgage , lenders will make an assessment of the rentability of the property, and assess the expected rental value per month - i.e. how easy they feel it will be to rent the property out, and what the expected / anticipated monthly rental income will be. Different lenders use different rental equations / calculations, but the standard is that the anticipated rental income must equal 125% of the monthly mortgage payment. Some lenders will take the applicants income into consideration also if the rental cover is tight. Although there have occasionally been 90% LTV products available on Buy To Let products, the minimum deposit tends to be 15% (a maximum LTV of 85%).
For a no obligation buy to let mortgage enquiry please fill in the form below.
Most buy to let mortgages are not regulated by the Financial Services Authority.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A FEE MAY BE PAYABLE FOR MORTGAGE ADVICE, DEPENDING ON YOUR CIRCUMSTANCES, OF UP TO 1% OF THE LOAN AMOUNT. MORTGAGE INTRODUCTION SERVICES 1st For Finance Ltd. introduces clients to regulated
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Finance Ltd. is not authorised or regulated by the
Financial Services Authority. The
content of this web site is 'information' on the
services that are offered by our partner advice companies.
The content of this website
must not be taken or used as 'advice' on the type
of mortgage that is most suited to your needs. Please read our Terms Of Business for further information.
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