Buy To Let Mortgage Broker
The current economic climate has led to more potential buyers having to look at the prospect of renting rather than buying making a buy to let portfolio mortgage a suitable investment.
Commercial buy to let mortgage
Investing in property through a commercial buy to let mortgage can be a profitable venture, whether you’re a seasoned investor or considering your first rental property. At Your Mortgage Shop, we understand the unique challenges and opportunities that come with buy-to-let investments, and we’re here to help you make informed decisions that maximise your returns.
How we can help as a buy to let mortgage broker
Lenders have developed specific products for this market with mortgages available to suit most circumstances. A buy to let portfolio mortgage is specifically designed for those who intend to rent out their property. These mortgages typically require a larger deposit than standard residential mortgages, and the lending criteria often focus on the potential rental income rather than just your personal earnings. Our buy to let mortgage advisor will guide you through the complexities of buy-to-let financing, helping you understand the requirements, potential risks, and rewards involved.
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Adverse Credit FAQS
A buy to let mortgage is for people looking to buy a property for the rental income rather than using it as a home. Our buy to let mortgage broker specialists will advise you through the entire process and help you get a mortgage that is tailored to your specific investment goals and overall financial profile.
Buy to let mortgages typically require a larger deposit than residential mortgages, often around 25% of the property’s value. Our buy to let mortgage advisor can review your financial situation and help you find deals that may require lower or flexible deposit options based on your circumstances.
With an interest-only buy to let mortgage, you will only pay interest on the actual loan which will make monthly payments lower. A repayment mortgage, however, will have you paying both the interest and the principal. Our buy to let mortgage advisor will assess your goals from a financial perspective and help you pick an option that will either maximise your rental income or improve your long-term investment growth.
Absolutely! If you are a first-time landlord, our buy to let mortgage broker will go through each step of the process with you and help you pick the right mortgage for your specific goals. This process includes getting a better understanding of your requirements for rental income as well as some regulatory considerations.
Buy to let mortgages often include fees like valuation costs and arrangement and legal fees. Our buy to let mortgage advisor will help you get a better understanding of these costs as well as supporting you in finding competitive rates that can maximise your Return On Investment (ROI).
Mortgage Quote Calculator
Mortgage applications are subject to status. The rates detailed are for illustrative purposes only and may not be applicable for your circumstances. Our advisors will be able to discuss the full range of products on offer that suit your criteria.
Affordability Calculator
This illustration is not a quotation under the Consumer Credit Act. Any figures quoted are subject to validation of income, credit checks and a property valuation. View our latest mortgage rates on our home page to find a selection of mortgage products. Alternatively, let one of our mortgage experts handle it for you. They’ll find the right mortgage for you and manage the process from start to finish.
Insurance
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