"\r\n
Social Links
Buy To Let Mortgages - Just Us Financial Solutions
Mortgage Broker London
Mortgage Broker London
15914
page-template-default,page,page-id-15914,qode-listing-1.0.1,qode-social-login-1.0,qode-news-1.0,qode-quick-links-1.0,qode-restaurant-1.0,ajax_fade,page_not_loaded,,side_area_uncovered_from_content,qode-theme-ver-12.1,qode-theme-bridge,bridge,wpb-js-composer js-comp-ver-4.12,vc_responsive
 

Buy To Let Mortgages

Your home may be repossessed if you do not keep up repayments on your mortgage

The Buy to Let mortgage sector is a huge market, particularly with our more affluent clients. The sector has seen huge upheaval in recent years, through government intervention, which creates uncertainty and opportunity. As a result, we continue to see huge activity in this sector, with clients seeking advice, recommendations and reassurance.

The MMR (mortgage market review), changes in SDLT (Stamp Duty Land Tax), removal of tax relief on interest on mortgage payments and the continued ultra low interest rate environment creates a unique landscape.

Obtaining a buy to let mortgage is a complex matter, with increasing regulation in the sector and a very different set of lending criteria.

A buy to let mortgage loan is often (but not always) determined by the rental income you will receive from tenants (the rental calculation) and how much you can contribute to the purchase price (the deposit). Many lenders will also require proof of personal income separate from the rental income, which varies greatly from lender to lender.

Picking the right lender is crucial when it comes to finding the most suitable terms for both you and the property, as calculating the true cost of a buy to let purchase is not simple. This is even more important considering that buy to let transactions are usually a commercial decision based on investment.

More and more people are investing in property as a long-term opportunity to make profitable returns, and as a way of securing finance for their retirement.

In turn, you are eligible for a range of tax deductibles which could include:

  • Mortgage interest payments (currently)
  • Rental insurance
  • Property maintenance
  • Lettings agent fees

Buy to let mortgages are not regulated by the FCA.

Contact us today to discuss your buy to let requirements

""