Buy to Let

Buy to let is a specialist mortgage designed to allow people to invest directly into property. The mortgage is structured to let the investor buy a property and let it out in order to try and earn extra income as well as benefiting from a possible capital increase.

The criteria of Buy to Let applications are very similar to that of residential mortgages, however there are two major differences: the need for a larger deposit (typically 15-20%) and the assessment of potential rent achievable from the property.

As Buy to Let is a specialist field it is paramount that you speak with an advisor to discuss your circumstances & requirements to ensure your goals are achievable.

Let to Buy

This is the reverse process of Buy to Let and means you wish to buy a new house to live in but don't want to sell your existing house. Lenders will base the application on both your borrowing capacity as well as the possible rent from your existing home.

Portfolio Construction

In short, this is a facility for anyone with 2 or more investment properties who wish to be able to borrow further funds by using the equity in their existing portfolio. The equity can be used as deposits or in full to fund further purchases and can help avoid continual remortgaging and/or suffering redemption penalties. Depending on the current loan to value of your portfolio it is possible to obtain funding of 100% or more on new purchases.

Any investor who is looking to build up a portfolio of properties must be aware of the options available to them as this is an exceptionally limited & specialist area. Our trained specialists will be happy to advise you.