Unlike a traditional mortgage assessed on affordability, a Buy To Let mortgage is largely assessed on the rental income that will be achieved on the property.
- Foreign Nationals
- Consumer BTL (regulated)
- Investment (unregulated)
- Portfolio Landlords
- House in Multiple Occupation (“HMO”)
- Multi-Unit Block (“MUB”)
- Limited Company BTLs
Limited Company Buy To Let: Due to recent tax changes in receiving rental income there has been a change in recent years for applicants to purchase a buy to let property as a special purpose vehicle in a limited company name. You should always seek advice from a specialist tax adviser to see if this is the right option to take, but if it is then there are an increasing amount of lenders who will consider offering a mortgage to a limited company rather than in a personal name.
Case Study Example
Private Rental
Marlow, Bucks, SL7
Case Study Example
Purchase of 500 Unit Residential
East and West Berlin, Germany
Case Study Example
Purchase of 9 Luxury Residential Flats
55 Ebury Street, London, SW1
Case Study Example
Remortgage of BTL portfolio in Putney
Putney, London, SW15
Case Study Example
Remortgage of 3 units on one freehold in Haringay
Haringay, London, N8
Portfolio Landlords: If you have 4 or more investment properties then the majority of lenders will consider you a portfolio landlord and some lenders will not lend. Other lenders are available but more work and expertise is required.
We can also help with other specialist areas in the buy to let market such as:
HMO Properties, Student Let Properties, Multi Unit Properties, Ex-pat BTL’s, Commercial Lets and Holiday Lets.
This type of let is becoming more popular as can be more profitable as well as more tax efficient as if the property is a furnished Holiday Let then you can offset the mortgage interest. We do recommend seeking advice from a tax expert regarding this. More lenders are lending in this market but the criteria can be different for each lender so it is important you get the best advice from an adviser who will have access to the whole market including specialist lenders to obtain the best deal and solution for your needs.