BUY TO LET
We help our clients to step on a property ladder and become a landlord in the UK. On our panel we have deals available to experienced landlords and those who are about to get their first investment property. Our tax advisers will help you with all the financial aspects of property rental and make your business tax efficient. Receiving advice from us early in the process really does pay. When you are ready to go ahead we will take care of the application process for you and provide you with straightforward advice throughout.
Loan to value ratio
Unlike the Resindential Mortgages, where lenders can fund up to 95% of property value, Buy to Let mortgage would be funded usually to 75%,
Interest coverage ratio requirements
To make sure an investor can afford to keep up the repayments on a BTL mortgage, lenders look at the relationship between the rental income a property generates and the cost of the home loan,
Non-property related income
In addition to the income a property investment can generate, many BTL mortgage lenders require investors to be able to prove they have a minimum income to cover the cost while looking for tenants,
Primary property ownership status
With a growing number of investors aged 55 or over using their net income from BTL property to fund their retirement, landlord mortgage providers are increasing the upper age limit for borrowers at the end of the loan period to a maximum of 85, while loan terms are also rising to up to 40 years.
Find out more about financial advice
Whole of the market advice takes all the hassle and stress out of choosing and arranging your mortgage. As well as deciding which is the right mortgage for you. Our advice team will manage your entire application, taking you through the whole process, all the way to successful completion.Getting the right mortgage can be time-consuming and the application process can be tedious. With a mountain of choice available, just knowing where to start can be stressful, too. If you would like mortgage advice that you can trust, with a service that makes your life easier, call our mortgage advice today.
Limited Company Directors
First Time Buyers
We specialise in arranging finance for haulage and construction sectors. Our clients buy new business premises, or extended or develop a property.
They often prefer this solution over other investment methods, as a commercial property mortgage allows them to keep full ownership of their premises; other options may entail giving up part of the ownership of their business. We advisie on the best commercial mortgage interest rates, most suitable for our client's businesses.
investing in commercial property can yield significant returns, particularly during sustained periods of property market appreciation, but also if you are considering a commercial buy to let opportunity,
by purchasing your own premises as your business grows, you will be able to extend and develop, thus avoiding the upheaval and cost of relocating,
commercial mortgage repayments are often similar to rental payments on like-for-like properties,
Improved business planning
your business is not susceptible to sudden, unexpected rent increases from opportunistic commercial landlords or agents.