BUY TO LET MORTGAGE ADVICE

BUY-TO-LET MORTGAGES – LET'S SECURE THE RIGHT DEAL FOR YOUR INVESTMENT.

Interest-Only or Repayment Buy-to-Let Mortgages

Buy-to-let mortgages are typically interest-only, which means you pay only the interest each month and repay the loan amount at the end of the term. This keeps monthly costs lower, making it a popular choice for landlords. However, repayment options are available if you prefer to pay down the loan over time. We’ll help you decide which works best for your financial strategy.

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Rental Cover Requirements

Lenders often assess your property’s rental income to ensure it covers the mortgage payments. Generally, the rental income must be at least 125% to 145% of the mortgage repayment amount. Our expert advisers can help you navigate these requirements and ensure your application meets lender criteria.

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Buy to Let for Limited Companies

Purchasing buy-to-let properties through a limited company is becoming more popular due to tax benefits. However, it comes with specific lending criteria. We’ll guide you through the process and help you find lenders that offer competitive rates for limited company buy-to-let mortgages.

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Refinancing to Expand Your Portfolio

If you already own buy-to-let properties, refinancing can help release equity to fund additional investments. Our advisers specialise in finding the best deals to help you grow your portfolio while managing costs effectively.

At More Financial, we understand the complexities of buy to let mortgages. Our tailored advice ensures you secure a deal that supports your investment goals, whether you’re buying your first property or expanding your portfolio.