Buy-to-Let Mortgages

With over 200 Buy to Let mortgage products currently available. Why not let us find the right mortgages for you?

We specialise in providing finance in respect of:

Let us review your existing Property Portfolio without obligation.

The Buy to Let market has been particularly volatile over the last 18 months with 93% of all deals disappearing during that time.

Gone are the days when obtaining a loan to value of 85% was standard practise, and if the rental income was insufficient then self certified income could be used instead. Landlords are now finding that a requirement for a deposit of 25%-30% is now standard.

A key indicator of the current restricted market is to look at the number of Buy To Let products available.

Casualties include names such as Capital Home Loans, Mortgage Express, Mortgage Trust, Bristol & West and Bradford & Bingley.

Falling house prices have caused the equity in many landlords' portfolios to reduce, but with the entire higher loan to value products removed, many have no option but to move onto the lenders standard variable rate at the end of their existing deal. For some this is no great hardship, but some lenders have not passed on cuts to their Buy To Let products' standard variable rates as they have to their residential version.

As the market has restricted the remaining lenders have fine tuned their lending criteria in terms of loan to value and overall exposure. There is a trade off between obtaining an attractive interest rate and paying a high lenders fee. It is still possible to obtain borrowing at sensible levels but to do this you need to have full knowledge of the current market and up to date information on each lender.

We have software that is continuously updated showing each lenders current criteria. We know the levels that they will advance at, the interest rate options, the fees charged and also what projects that they will and will not lend against. We will be more than happy to discuss any new or existing arrangements that you have in place.

To discuss your own individual requirements please contact us.