BUY TO LET 

MORTGAGES

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 

​Your age

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. 

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RESIDENTIAL

MORTGAGES

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.

Specialist in:

Self-employed professionals

Limited Company Directors

First Time Buyers

Re-mortgages

​Adverse Credit

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COMMERCIAL

MORTGAGES

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. 

Significant returns

​​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,

Expansion

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,

Capital growth

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.

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Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Capital Place Limited, trading as ‘Capital Place’, is Authorised and Regulated by the Financial Conduct Authority FRN 779295

Registered Office: 7th Floor 3 London Wall Buildings, London EC2M 5PD United Kingdom. Registered in England and Wales No. 09734762