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What Lenders Want from You Lenders have a checklist for anyone looking to get a buy-to-let mortgage. For starters, here are things you need to know: 1. Know Your Potential Rental Income To get a buy-to-let mortgage, you need to know how much rent you can realistically charge. Lenders want your rent to cover your […]

What Is A Buy-To-Let Offset Mortgage? A buy-to-let offset mortgage is a loan for landlords that links your savings to your mortgage.  Your savings reduce the mortgage balance you pay interest on, which can lower your monthly payments or shorten your mortgage term. How Do They Work? Let’s say you’ve got a buy-to-let mortgage for […]

What Are New Build Buy-to-Let Mortgages? New-build buy-to-let mortgages are loans specifically for buying new-build properties to rent out.  They differ from standard buy-to-let mortgages mainly in the criteria set by lenders. Lenders might see new builds as riskier due to factors like price premiums and unknown rental values.  This means they might ask for […]

Are There Buy-To-Let Mortgages For Limited Companies? Yes, buy-to-let mortgages for limited companies exist. This is a bit different from personal buy-to-let mortgages, where the property is in your own name.  With a limited company, the property belongs to the company, and any money it makes is taxed as company profit. A Special Purpose Vehicle, […]

What is a Let To Buy Mortgage And How Does It Work? A let-to-buy mortgage is a way to buy a new home to live in by turning your current home into a rental property.  Here’s the breakdown: In this way, you can hold onto your old property while using it to help afford your […]

What Is An Investment Property Mortgage? An investment property mortgage lets you borrow money to buy a property that will make you money, typically through rent or resale.  Unlike a regular mortgage for your own home, this loan is for a property you won’t live in yourself. What Counts As Investment Property? As we’ve discussed, […]