Buy to Let Mortgages

Build your portfolio of properties and take benefit from future uplift in real estate prices.

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FIXED RATES

3.00–7.50%

VARIABLE RATES

2.50–7.50%

About and Features

Buy-to-let mortgage is a mortgage arrangement in which an investor borrows money to purchase property in order to rent out to tenants.

Lenders look at the expected monthly rental income to determine the maximum loan available. Depending on the lender, borrowers may also be allowed to include personal income in the calculation of the maximum amount.

Whether you are an employed professional to supplement your income or an experienced investor with a portfolio of properties, we can find the most suitable mortgage for you.

As a long-term product, the rates often tend to be very competitive and the borrower is provided with a choice of a fixed or variable rate product. A fixed rate product allows the borrower to plan monthly expenditure; a variable rate product holds the advantage of a potentially decreasing monthly payment.

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  • No Application Fee

    Consult our experts and get a free advice. We will not charge any application fee.

  • Faster Approval

    Our experts will help you in documentation and legal work for faster approval.

  • Minimum Interest Rate

    Through our network of lenders and deep insights into the credit market, we can get you the best interest rate.

  • Available Options

    House of Multiple Occupancy (HMO) Mortgage, Holiday Let Mortgage and Portfolio Mortgage

  • Flexible Terms

    You will have flexible terms and may opt for interest only or interest and principal repayment options.

Three Easy Steps To Financial Freedom

It is alot easier than you think. Consult our experts, complete the documents and get fast approval.

1

Consult Our Experts

Consult our experts and know different loan options and chose the best.

2

Documentation & Legal Work

Our experts will guide you in the loan documentation and the underlying legal work for faster approval.

3

Loan Approval & Disbursement

Proper documents and legal work get your loan approved faster.

Why Buy to Let Mortgage?

Buy a property through loan and pay the loan through rental income. It is that simple.

Lower Monthly Payments

With BTL, you can repay the loan amount from rental received by renting the property.

Consistent Cashflow

You can earn monthly rental income and can pay the mortgage from this rental income.

No Application Fee

There is not application processing fee, explore property mortgage possibilities for free.

Most Competitive Interest Rate

We can get you the best interest rate through our network of lenders. You may opt for fixed or floating interest rate.

Future Uplift in Prices

You can take the benefit from any long-term uplift in the value of the property.

The Best Advisors

With hundreds of years of experience of our partners, you will get the best advice and a great deal.

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Get Started in Minutes

For faster approval and free evaluation, consult our experts. We shall help in the entire process.

Frequently Asked Questions

How much is the application processing fee?

There is not application processing fee. You only pay at the time of loan disbursement.

What is the maximum loan amount that I can borrow?

The rent generated by the property should be at least 25% more than your monthly mortgage repayments. For example, if your repayments are £800 a month then your rent must be at least £1,000 a month.

What is the minimum and maximum term of this loan?

Usually, these are long term arrangements, but it normally ranges from 5 years to 30 years. Some lenders also have maximum age limits when the mortgage ends, this is usually around 70 or 75. So if you’re 60 years old you may not be able to take out a 25-year mortgage.

What is the minimum deposit for buy to let property loan?

You can borrow loan for any value of property. The minimum deposit for a buy-to-let mortgage is usually 25% of the property’s value (although it can vary between 20-40%)

Can I borrow to purchase a property outside UK?

No, you cannot borrow to let property outside United Kingdom.

What will happen if I do not fully insure my property?

You can legally own a home without home owners insurance. However, if you finance your home with a mortgage, your lender most likely will require you to have home insurance coverage to protect your home in case of damage caused by unforeseen circumstances, such as fire or natural disasters. So, this is always advisable to insure your precious belongings.