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What Is an Interest-Only Buy-To-Let Mortgage? An interest-only buy-to-let mortgage is a mortgage for investment properties where you just pay the interest each month.  The actual amount you borrowed, called the capital, isn’t paid back monthly. Instead, you pay it all back in one lump sum at the end of the mortgage term. This usually […]

How To Finance A Holiday Let? When thinking about buying a holiday let, the first question is usually about financing. One of the most common ways is through a mortgage. A holiday let mortgage is designed for properties rented out short-term to tourists. Unlike regular mortgages, they consider the potential income from your holiday renters.  […]

What is an HMO Mortgage? Before we jump into HMO mortgages, let’s clear up what an HMO actually is. An HMO or Houses in Multiple Occupation is a property rented out by at least 3 people who aren’t from the same household (like a family) but share basic amenities like bathrooms, toilets, or kitchens. With […]

Can First-Time Buyers Get a Buy-to-Let Mortgage? Yes, you can. But, there are some extra hurdles compared to experienced buyers.  Lenders see first-time buyers, defined as someone who has never owned a residential property, as a bit riskier because you haven’t rented out a property before. Here are some of the challenges you might face: […]

What is a Consumer Buy to Let Mortgage? Consumer buy-to-let mortgages are special mortgages for accidental landlords.  These are people who rent out their home because of unexpected situations, not because they planned to be landlords.  They offer more flexibility and protection than regular buy-to-let mortgages. How Do Consumer Buy to Let Work? If you […]

What Is a Buy-to-Let Mortgage and Who Needs It? A buy-to-let mortgage lets you borrow money to buy a property you plan to rent out. It’s ideal if you’re eyeing property investment.  This option suits those moving to a new home but wishing to keep their old one as a rental property.  It also works […]