Buy to Let Mortgages

Buy to let mortgages and key issues about arranging buy to let mortgage funding.

Need an HMO Mortgage but have no HMO Licence

Need an HMO Mortgage but have no HMO Licence

Do you have an HMO property on which you need a mortgage but as yet, you do not have an HMO Licence? This is a common problem for HMO Landlords in London Boroughs were we have heard of some HMO Licence Applications talking 12 months to process. The good news is that we have HMO […]

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Buy to Let Mortgage Calculator – Raise 60% extra

Buy to Let Mortgage Calculator – Raise 60% extra

Buy to Let Mortgage Calculator letting you down? The biggest problem for most landlords in today’s lending market is increasingly aggressive affordability calculations for maximum buy to let lending. The solution – our specialist lending sources run a Buy to Let Mortgage Calculator that can advance you up to 60% more than a standard mortgage […]

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How does the affordability calculation work for a buy to let mortgage today?

How does the affordability calculation work for a buy to let mortgage today?

Golden rule – assume £155,850 of lending per £1,000 pcm of rent. A few years ago it was very easy to explain affordability to the buy to let investor. Lenders would typically lend directly against the rental income by seeing how that rental income compared with the potential mortgage payment. If the rental income exceeded […]

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The new buy to let mortgage market

The new buy to let mortgage market

Why your capacity to borrow as a landlord is shrinking Exploring how a buy to let investor buying a property valued at £250,000 with £1,000 of rental income will find themselves needing to find another £44,000 in cash to make the purchase. Key Actions for Landlords If you need extra buy to let lending get […]

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Buy to Let Mortgages for maximum lending and minimum cost?

Buy to Let Mortgages for maximum lending and minimum cost?

Which type of buy to let mortgage lender is suitable for your needs? Did you know? Some buy to let mortgage lenders will lend you nearly twice what others will Some buy to let mortgage products will cost you double what others will Buy to let investors, like all business people, have differing needs for […]

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Buy to Let | Borrow 25% more | Exclusive re-mortgage product

Buy to Let | Borrow 25% more | Exclusive re-mortgage product

Buy to let re-mortgage high affordability calculation One of our Lenders has just issued a 5 year fixed buy to let re-mortgage product priced at just 3.99%. What is key about this product is that it’s unique affordability calculation means that a landlord receiving £1,000 a month rent could borrow up to £240,600 rather than […]

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Consent to Let

Consent to Let

Do you need Consent to Let for your mortgage? If you live in a property and have a residential mortgage on it you should inform the lender if you intend to leave and let the property out – this is called asking for ‘consent to let’. Often, if you let your current property and look […]

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