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 […]
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Are Offset Buy-To-Let Mortgages Right For You?
New Build Buy To Let Mortgages Explained
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 […]
Buy-To-Let Mortgages For Limited Company Explained
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, […]
Let-To-Buy Mortgages Explained: The Essential Guide
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 You Need To Know About Investment Property Mortgage
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, […]
Interest Only Buy-To-Let Mortgages Explained
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 […]
