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Buy to Let Investment

 
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Are you a first time investor who would like some help to guide you through the financial minefield and how you should approach your first purchase ?
Let us, with our experience of the market, help and guide you to the right plan for you.

For the full time landlord who is looking to build and expand his portfolio of properties, we have a number of specialist lenders where we can revalue and release equity for further purchases.















If you are looking to purchase and would like to know if the funds are available in advance, we can offer you an agreement in principal whereby a full credit check and credit score is carried out before you purchase, to give you the comfort of knowing your mortgage will be in place.

As an Independent Financial Advisor we have access to all lending sources and have the benefit of exclusive schemes not available on the High Street or to the general public direct.
We are always trying to build better relationships with our lenders to try and see how we can help you with that enquiry that may be a little different or a stretch beyond normal lending terms.

We are here to help and advise and we just hate to say - No!
We welcome your enquiries.

If you are looking at buy to let properties for an investment opportunity then we can help, we can help you with buy to let mortgages and can assist you with letting the property to buy. We can find you the best rate on buy to let mortgage, just give us a call or chat to our advisers online.

Buying a property to let can benefit the landlord in 2 ways. Firstly, it can provide a stream of income. Secondly, most Buy to Let landlords purchase property because of the potential for long-term accumulation of capital growth. We can provide guidance about how to take out a successful buy to let mortgage, the pitfalls that may occur and the knowledge needed to avoid them.



Buy to Let Mortgages are the type of mortgage specifically designed for those looking to invest in the property market by purchasing property to let out, from houses to apartments. A buy to let mortgage will provide great investment providing research is done. The owner of a buy to let mortgage can benefit from appreciation in the capital value within the house/apartments itself. Buy to Let has been booming over the past year with millions joining the buy to let market to profit as the UK rental accomodation demand increases.

Buy to Let owners can benefit with a buy to let mortgage, appreciation could be enough to fund the mortgage repayments aswell as maintaining the property.

Buy to Let Mortgages vary from what came before by specifically allowing the rental revenue to be considered as income when considering the ability of the buyer to meet the ongoing mortgage payments. Buy to let mortgages are comparable to standard residential mortgages, as the owner may choose to inhabit the property.
Buy to let lending can be funded up to around 80% of the property value, the term of a buy to let mortgage can range in the region of 5 - 45 years. The interest rates on buy to let property are usually slightly higher then that of a standard residential mortgage.

It is essential to research the market before taking that first dive in, you should know the market in which you will try to make your property available to tenants as rental accomodation, and researching the area is not a bad idea either. An independant financial adviser or a letting agent who knows the area well, may be able to give you insight into the demand for accomodation aswell as any pitfalls that may reside. By planning in detail step by step and researching the market, you could be in for a profitable run. When considering a buy to let, it may be wise to choose a property that requires little maintenance, is in an ideal location and can appeal to tenants, and keep focused on buying in an area that is popular for accomodation demand.

In the buy to let market, it is essential to avoid any flat spots in renting, while your not renting, you are most probably out of pocket, make your accomodation appeal to attract as many people to rent, and between tenants make the time span as short as possible to avoid loss of appreciation. Insurance for buy to let contingencies is now available, we can help you arrange the buy to let mortgage aswell as insurance products.

Many high street banks and building societies now offer a buy to let mortgage product. An independent mortgage broker will also be able to recommend mortgage arrangements which are not available on the high street and which will more perfectly meet your buy-to-let mortgage requirements such as having bad credit.

Remember with buy to let, there are additional costs that are typically involved with maintaining the property and providing it with heat, electricity and gas.
Some of the additional costs are as follows.










If you are considering remortgaging your existing property to release some cash and look for a more competitive plan or to expand, we are always sourcing the market to try and help you. Some of the lenders will even pay your valuation fees – sounds interesting ?

We have built up an excellent relationship with our solicitors and are able to pass onto you a very competitive fee structure and a very high level of service to our clients.

Our long term relationship with our panel surveyors will enable us to quote competitive fees for valuations and to expect a quick turn around with a level of service.

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Your home may be repossessed if you do not keep up repayments on your mortgage. Written quotations (key facts illustration) compliant with the Mortgage Conduct of Business (MCOB).

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.:..:: Applying
Applying for a buy to let mortgage

Apply for a buy to let mortgage with us today, funding up to 80% of the property. Bad credit considered, apply today to see what we can do. Join the buy to let market today to benefit from the buy to let boom.
 
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We specialise in buy to lets all over the UK, from London to landsend, if you want to benefit the buy to let boom, then speak to us today.

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.:..:: Buying to Let
Buy to Let & Residential

Mainly, there is little difference between arranging a BTL mortgage ( buy to let ) for investor landlord’s and a standard mortgage for owners occupation. Buy-to-Let mortgages are subject to the general status checks. Loans can be arranged for terms of between five and 45 years and for up to 80% of the value of the property.

Growth of the BTL Sector

The view of many lenders of today is that growth in the (private rented sector) must be encouraged. The lack of choice between renting and buying is bad for economics and participates as a contributory factor to the booms and busts of the housing market.

 
.:..:: Deposit
How much will I need as a deposit

Experienced and first time landlords will normally be required  to put down a deposit of at least 15% of the property value. Landlords may also select a 3 or 5 year fixed rate product with just a 10% deposit, for an additional 1% fee which could be added to the loan.

Cashback on completion
This is similar to creating a vendor deposit as it requires the property to be valued higher than the agreed price. It's effectively a discount on the sales price.
 
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Buy to Let mortgages

As the buy to let market continues to grow, there are an increasing amount of lenders who have loans and mortgages tailored towards the buy to let mortgage market.

These mortgages:

Will lend up to 15-80% of the purchase price of the property
Are typically about 0.5 % higher than a normal, standard variable mortgage
Are available in Long, Short, Fixed and Capped options
Are co-ordinated by ARLA (Association of Residential Letting Agents).

You should always seek the advice of an independant financial adviser before committing to an investment that involves alot of money, i.e. buy to let.

Somethings to consider before proceeding,

Can I meet my mortgage repayments and keep the property insured whilst having no money available from rent?
If the housing market slumps can I afford to loose money?
If the appreciation generated declines due to external factors?

Tips for success

1) Choose your location wiseley

When going for a buy to let, remember, LOCATION, this is an essential factor that a tenant will base alot of their decision on.
Finding local amenities, travel routes and facilities is a great way to determine an ideal living spot, after all, not everyone drives!

2) Letting agents can be a great source of information

Find out more about an area, its tenant demand and any likely pitfalls through your local letting agents. Letting agents can also provide further information in aspects of rent, appreciation and more.

3) Charging tenants

Remember, you need to charge enough to fund the mortgage, insurance and maintenance, but at the same time, you want to avoid overcharging in the event you may put of prospective tenants. Researching the market may give you more of an insight into charging your tenants the correct amount.

4) Appearance is everything

You'll want to make your buy to let property look like home, with a clean well maintained home  that looks good and welcomes the tenant, an attractive property will have a far higher demand than that of a run down property, despite cost.

5) Think like a tenant

Thinking from the tenants prospective may help you to make more diligent choices when it comes to buy to lets.


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What are buy to lets for

Buy to let mortgages are provided for property purchases or remortgages for investment in the private rental sector. Assessment of borrower affordability can be based on the income projected from the buy to let property, dependent on the lender's individual policy. Some lenders may also take the applicant’s existing mortgage or other loans into consideration. It is always advisable to seek the advice of an independant financial adviser before proceeding.

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