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Buy To Let Mortgages Info

What is a buy to let mortgage?

If you want to buy a property to let out to tenants, as opposed to living in it yourself, and you don’t have the cash up front to purchase it, you’ll need what is known as a buy to let mortgage.

Why invest in buy to let?

Buy to let can be a great investment and has many benefits. A profit can be made if the property price rises from the time of purchase and also on income from renting it out. Also be aware that a fall in the market can mean this investment can diminish.

Getting a buy to let mortgage?

To take out a buy to let mortgage both you and the property will have to meet certain criteria. This criteria can vary considerably between lenders, but the main factors looked at are being a homeowner, the amount of earned income, having BTL experience, clean credit file. Although these are not essential to obtain a btl mortgage they are beneficial. The property must also meet certain rental stress calculations. These differ from lender to lender. Due to this varying criteria it is advisable to speak with an experience btl mortgage broker to establish the most suitable product for your needs.

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“As first time buyers, both myself and my partner were both completely clueless about the mortgage process. We were recommended Charles Louis Mortgage Advisers and we were not left disappointed! Michelle was extremely helpful in getting all the necessary information over to us, keeping us updated on where we were up to in the process and also answering any questions which we had. We both feel that by using Charles Louis Mortgage Advisers, the process was made so much quicker and easier and we felt that we were in safe hands in getting the best mortgage for us. We couldn't have done it without them and especially Michelle”  ”

M Williams
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