You Have Two Options To Take Moving into your buy-to-let property isn’t as simple as just packing your bags. You need to change your mortgage first. You’ve got two main options: a regulated buy-to-let mortgage or a residential mortgage. Regulated Buy-to-Let Mortgage Ideal for temporary stays This is similar to a standard buy-to-let but allows […]
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Changing Your Buy To Let To Residential Mortgage
A Guide to Student Buy-To-Let Mortgages
What Is A Student Buy-To-Let Mortgage? A student buy-to-let mortgage lets you buy a property to rent out to students, similar to a regular buy-to-let mortgage. These mortgages are for homes suited to student living, like flats or houses. Some lenders have stricter rules than others, but it can be accessible to a range of […]
SPV Buy-To-Let Mortgages: What Investors Need to Know
What Is A Special Purpose Vehicle? A Special Purpose Vehicle, or SPV, is essentially a company set up for a specific project. In the property market, SPVs are mainly used for buying and holding properties. These can be any type of business structure, such as private limited companies, limited liability partnerships, or public limited companies. […]
Regulated Buy-to-Let Mortgages: What You Need to Know
What Are Regulated Buy-To-Let Mortgages? Regulated buy-to-let mortgages are specialised mortgages for situations where you’re buying a property to rent out to close family members, like parents, children, siblings, or grandparents. The key term here is ‘regulated’ which means these mortgages follow stricter guidelines set by the Financial Conduct Authority (FCA) compared to regular buy-to-let […]
Your Guide to Proving Income for Buy-To-Let Mortgages
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 […]
Are Offset Buy-To-Let Mortgages Right For You?
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 […]
