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Buy to let mortgages

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Buy to let & investment mortgages

Looking for a buy-to-let, or investment mortgage? We're able to offer you a range of options to meet your particular needs. From Residential Investment and Commercial Investment mortgages to re-mortgages for all categories of investors, whether you're a professional landlord or new to being a landlord.

If you’re looking to buy property to rent it out, you need to be aware of the rules around buy-to-let (BTL) mortgages. We can help you understand the key differences and work with you to tailor the best option for your circumstances.

There are a number of aspects that could have an impact on your finances that you’ll need to be aware of before you proceed with a buy-to-let mortgage, such as tax implications (buy-to-let investors must pay taxes on both their rental income and capital gains when they sell their properties) and loan term (your property might not always have renters, which means there might be times when it's vacant and the rent isn't being paid. For any such "void periods," you'll need more funds so you can keep paying your mortgage.)

Get in touch with us today and let's find the right mortgage for your property.

Contact us about buy to let or investment mortgages

Portfolio Landlords

A portfolio landlord is someone with four or more mortgaged buy-to-let properties, whether owned individually or through a limited company.

Houses in Multiple Occupation (HMOs)

This is typically where the building is occupied by at least three people who constitute more than one household, or if a building is declared an HMO by the local authority.

Multiple Unit Blocks

A Multi-Unit Freehold or Multi-Unit Freehold Block is a number of properties that are all on one freehold title. This could be a block of flats or a row of terraced houses. Each property on the title should be a self-contained unit and can be rented out to different tenants.

Limited Companies

Mortgages are available for both Trading Companies & Special Purpose Vehicles (SPVs) and we would suggest you always seek tax advice from a suitably qualified individual.

Holiday Lets & Ex-pats

We're able to offer advice on holiday-let mortgages as well as a range of services for British Expats.

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Ready to apply?

If you're ready to start discussing the buy to let mortgage solutions you could benefit from, why not drop us a line, we'd be happy to walk you through the options that are available to you without any obligations.

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