Buy to Let

Your home may be repossessed if you do not keep up repayments on your mortgage.

buy-to-let

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.

Buy to Let

‘I used Rosemount Mortgage Planning for a ‘buy to let’ and my own mortgage. They helped me to sort out my finances for my buy to let deposit to be released to enable me to buy another property somewhere else. The service I received from Rosemount Mortgage Planning was just brilliant. I always wondered if I could do a buy to let and then buy another property. I always thought that I didn’t have enough income for it. But Rosemount Mortgage looked at all my options carefully and helped me remortgage my rental property and release the deposit so that I could buy a new house. I couldn’t have done it without them. They also helped me with insurance for my new house and helped me with landlord insurance for my ‘buy to let’ property. Absolutely brilliant service. Rosemount Mortgage Planning came recommended to me and I will definitely recommend their services to anyone.’ Kathy T