Your home may be repossessed if you do not keep up repayments on your mortgage. Buy to let mortgages are not regulated by the Financial Conduct Authority.
Whether you have a portfolio of properties, a couple as a long term investment or are interested in purchasing a property to let then we can help explore your options.
Buy to Let mortgages are once again available from a wide range of lenders, including mainstream high street names and also lesser known specialists that only make their products available through brokers. It can potentially be a complex area, however having years of experience in the Buy to Let market we have kept on top of the changes to Stamp Duty, lending criteria and stress testing, rates and availability so we welcome your Buy to Let questions and will help where we can. Many of our clients view an additional property or two as a useful additional to their pension planning and some currently find the extra income they can provide useful.
Ltd Co / HMO Buy to Let – As specialist areas if you have questions regarding HMOs or Ltd Co Buy to Let we can help answer them, and have experience in helping clients with both.
When you start to include factors such as HMO status, student lets, separate units, etc. it can narrow the field of options down considerably. However, with access to the more specialist lenders we can check and research lending criteria to make sure the lender will be happy with your particular set of circumstances. This usually involves going off the High Street and we have excellent links to not only provide you with a well-researched option but also a set of rate and fee combinations to suit your objectives.
If you are considering buying your property through a Ltd Co or transferring an existing property to a Ltd Co in order to take advantage of a new structure we again have access to specialist lenders that may be able to help. We would strongly advise getting advice from an Accountant who is well versed in this particular field and if you decide it’s a route you wish to go down we can help with researching your options and working with you through the process.