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Buy-to-let mortgages

Also known as investment mortgages or BTL mortgages, it can be a good long-term investment option, but there are risks which need to be seriously considered. You could end up making much more money from your spare cash than you would with a savings account or a pension, but you could also lose a lot of time and money.

What is a buy-to-let mortgage?

What is a buy to let mortgage?

A buy-to-let mortgage is designed for borrowers who want to buy a property, to let out to a third party (e.g. tenants).

What is a buy-to-let mortgage?

Buy-to-let mortgage fees

There are numerous fees involved when taking out a buy-to-let mortgage. It's important to keep on track of the costs that you will face, to ensure you don't get into financial trouble as a result of having more outgoings than expected.

Buy-to-let mortgage fees

Types of buy-to-let mortgage

Types of Remortgage

Buy-to-let mortgages carry some differences, such as higher interest rates and fees, and buy-to-let mortgage lending is generally not regulated by the Financial Conduct Authority (FCA), leaving you more at risk of encountering problems.

Each has its own benefits and negatives. You will have to shop around, consider all types of buy-to-let mortgages, see what is on offer, and work out which one benefits you the most.

Types of buy-to-let mortgages

Buy-to-let mortgage repayment options

Boy to let mortgage Repayment Options

There are two main parts of a mortgage which need repaying: interest on the loan, and the loan itself. How you decide to repay the mortgage is dependent on what your aims are as a landlord, and the different tax implications.

Buy-to-let mortgage repayment options

Can I afford a buy-to-let mortgage?

Can I afford a Buy to let mortgage?

First things first, you need to be able to afford the mortgage on your own home comfortably, and only then should you consider borrowing a big loan for another property. Often, you will need to own your home to be allowed a buy-to-let mortgage.

Can I afford a buy-to-let mortgage?

How do lenders assess borrowers?

How do lenders assess borrowers?

In order to qualify, borrowers will normally have to meet strict eligibility criteria, due to the risk associated with buy-to-let.

How do lenders assess borrowers?

How to get the right buy-to-let deals

How to get the Right Remortgage deal

Your goal is to find the cheapest, most efficient mortgage possible. Unfortunately, this isn't always just a case of finding the cheapest rate on the market, because you might not fit their eligibility criteria.

How to get the right buy-to-let deals

Documents required for a buy-to-let mortgage

Documents required for a remortgage

When meeting with banks and building societies to try and arrange a mortgage, they will require you to bring a range of documents. These are needed to prove your financial history, and that the mortgage repayments will be met each month.

Documents required for a buy-to-let mortgage

What to look for in a buy-to-let mortgage

What to Look for in a Remortgage

Successfully getting a buy-to-let mortgage depends largely on the lenders, who scrutinise many applications to ensure their money is safe. However, it is also imperative that borrowers strongly scrutinise the lenders in return, to ensure they get the best deal possible.

What to look for in a buy-to-let mortgage


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