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- General Pages
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Buy-to-Let Mortgage
Buy-to-Let is a joint initiative by the Association of Residential Letting Agents (ARLA), and the mortgage lenders.
Buy-to-Let Mortgage
The scheme is designed to help private individuals to invest in property to let without being penalised by mortgage surcharges or paying commercial rates of interest. Mortgage lenders in the Buy-to Let scheme will take account of rental income likely to be achieved from a property.
It's different? Buy-to-Let Mortgage
The returns from Letting Property?
What difference does a Letting agent make?
How to Buy-to-let
How are mortgages arranged through Buy-to-Let?
The Dos and Don'ts of Buying to Let?
What happens after Buying to Let?
Are there any special conditions?
Can a Buy-to-Let investment be protected?
What other costs should be taken into account?
Tax and allowances? Buy-to-Let Mortgage |
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Buy-to-Let Mortgage
The UK buy to let mortgage market has grown substantially over the last 5 years with many homeowners buying second homes both in the UK and abroad.
As a response to demand UK lenders have become more innovative in developing mortgage products to match this demand e.g. the loan to value requirements have become less onerous just to name one change.
Whether you are buying a second property for the first time to let out or you wish to remortgage to get a better deal our service caters for those who have good or bad credit or have unusual circumstances e.g. income that is difficult to prove. Complete our mortgage enquiry form today. |
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Buy-to-Let Mortgage
Do your homework Investing in property to let is not an instant road to riches scheme. Buy-to-Let Mortgage Before you dive in, be prepared to... have a deposit on the property tied up for an indefinite period.
This is usually about 15-20% of the property value. get the place up to a standard where you can be confident it will attract tenants. pay for maintenance. weather fluctuations in the market. Buy-to-Let Mortgage Tips for success Location, location, location. This is one of the most important factors a tenant will look for.
Desirable properties are conveniently located for public transport, local amenities, restaurants and bars and have parking facilities nearby. If you are buying to let in the student market, proximity to the university is also a major selling point. Consult local letting agents and try to find out which areas and what kinds of property are in demand. Your letting agent should also be able to advise you about rent Charging too high a rent will put off prospective tenants - research the market conditions thoroughly.
Buy-to-Let Mortgage Remember that rent is not the mortgage, and if the lettings market is sluggish, you may not succeed is covering your entire monthly mortgage amount. A well maintained and attractive property will be much more in demand than a run down property. If you decide to let the property furnished, it is worthwhile taking some time to find out what features make a property desirable to tenants. Again, your letting agent should be able to advise you on this.
If you have the money, time and inclination, you may consider investing in a property that needs some work. You'll be able to customise it to the needs of your tenants. If you do not have the time or interest to buy a property that needs a lot of work, a newer property may be more suitable. However, it is worth remembering that even new properties will need maintenance and this will increase as the property ages.
Buy-to-Let Mortgage When you are buying the property, try to remember that it is not you who is going to be living there. Look at it with an objective eye. Think about the property from a tenant's point of view. Buy-to-Let Mortgage |
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Buy-to-Let Mortgage
These additional costs include: Property upkeep - maintenance costs for the property. Letting agent's fees - letting agents charge around 10% of the monthly rent for finding and vetting tenants with an additional cost of around 5% if you require a full management service. Ground rent / service charges - applicable to leasehold properties. Legal insurance - to cover costs from evicting tenants in the event of non-payment, very important, as this can be very expensive. Insurance - building insurance and contents insurance for the items provided as part of the rental agreement. Furnishings - the purchase of any furniture. If the property is to be let furnished, make sure you are covered for this by your home insurance. Gas / electrical appliances - cost of maintaining appliances and ensuring they comply with any regulations such as safety tests. Decorating costs - the property may require work ranging from painting, to a new bathroom suite before it is suitable for letting to tenants. |
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Buy-to-Let Mortgage
Becoming a private landlord should not be seen as an easy way of making easy money. It can be riskier and more complicated. It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will continue to rise. That said, having a second property to let to tenants could reap considerable financial rewards over time.
When buying a second property to let you will need to decide whether your primary objective is income or capital growth. In other words, are you looking to make a profit month on month or are you looking to make a profit through increased equity from the second property as it increases in value over time? The decision may affect the type of property you purchase, and the location. When you manage a property there are many costs involved in addition to the monthly mortgage repayments. As a guide, you should be aiming to achieve a gross rent of about 125% of the rental property's interest only mortgage repayments in order to cover your costs should anything go wrong.
It's different?
The returns from Letting Property?
What difference does a Letting agent make?
How to Buy-to-let
How are mortgages arranged through Buy-to-Let?
The Dos and Don'ts of Buying to Let?
What happens after Buying to Let?
Are there any special conditions?
Can a Buy-to-Let investment be protected?
What other costs should be taken into account?
Tax and allowances? |
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Buy-to-Let Mortgage
There are 3 main differences in buy to let mortgages: Rent Potential - the decision as to whether or not a mortgage will be offered is usually based on the rent you will earn as well as your income. In some cases your income is not ever considered. Interest Rate - buy to let mortgages have slightly higher interest rates. Larger Deposit - typically a minimum of 20% or 25% of the property's value is required as a deposit.
It's different?
The returns from Letting Property?
What difference does a Letting agent make?
How to Buy-to-let
How are mortgages arranged through Buy-to-Let?
The Dos and Don'ts of Buying to Let?
What happens after Buying to Let?
Are there any special conditions?
Can a Buy-to-Let investment be protected?
What other costs should be taken into account?
Tax and allowances? |
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Buy-to-Let Mortgage
Buying a property to let can benefit the private landlord in two ways. Firstly, it can provide a stream of income. Secondly, many Buy to Let landlords purchase property because of the potential for long-term accumulation of capital growth.
This section provides guidance about how to take out a successful buy to let mortgage, the pitfalls that may occur and the knowledge needed to avoid them.
It's different?
The returns from Letting Property?
What difference does a Letting agent make?
How to Buy-to-let
How are mortgages arranged through Buy-to-Let?
The Dos and Don'ts of Buying to Let?
What happens after Buying to Let?
Are there any special conditions?
Can a Buy-to-Let investment be protected?
What other costs should be taken into account?
Tax and allowances? |
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Buy-to-Let Mortgage England
Buy-to-Let England is a joint initiative by the Association of Residential Letting Agents (ARLA), and the mortgage lenders.
Buy-to-Let Mortgage England
The scheme is designed to help private individuals to invest in property to let without being penalised by mortgage surcharges or paying commercial rates of interest.
Buy-to-Let Mortgage England
Mortgage lenders in the Buy-to
Let scheme will take account of rental income likely to be achieved from a property.
Buy-to-Let Mortgage England
It's different?
The returns from Letting Property?
Buy-to-Let Mortgage England
What difference does a Letting agent make?
Buy-to-Let Mortgage England
How to Buy-to-let England
Buy-to-Let Mortgage England
How are mortgages arranged through Buy-to-Let?
Buy-to-Let Mortgage England
The Dos and Don'ts of Buying to Let England?
What happens after Buying to Let England?
Are there any special conditions England?
Can a Buy-to-Let investment be protected?
What other costs should be taken into account?
Tax and allowances?
Buy-to-Let Mortgage England |
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Buy-to-Let Mortgage
Buy-to-Let is a joint initiative by the Association of Residential Letting Agents (ARLA), and the mortgage lenders. Buy-to-Let Mortgage The scheme is designed to help private individuals to invest in property to let without being penalised by mortgage surcharges or paying commercial rates of interest. Mortgage lenders in the Buy-to Let scheme will take account of rental income likely to be achieved from a property.
It's different? Buy-to-Let Mortgage
The returns from Letting Property?
What difference does a Letting agent make?
How to Buy-to-let
How are mortgages arranged through Buy-to-Let?
The Dos and Don'ts of Buying to Let?
What happens after Buying to Let?
Are there any special conditions?
Can a Buy-to-Let investment be protected?
What other costs should be taken into account?
Tax and allowances? Buy-to-Let Mortgage |
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Buy-to-Let Mortgage Northern Ireland
Buy-to-Let Northern Ireland is a joint initiative by the Association of Residential Letting Agents (ARLA), and the mortgage lenders.
Buy-to-Let Mortgage Northern Ireland
The scheme is designed to help private individuals to invest in property to let without being penalised by mortgage surcharges or paying commercial rates of interest. Mortgage lenders in the Buy-to Let scheme will take account of rental income likely to be achieved from a property.
Buy-to-Let Mortgage Northern Ireland It's different?
The returns from Letting Property?Buy-to-Let Mortgage Northern Ireland What difference does a Letting agent make?
How to Buy-to-let Northern Ireland
Buy-to-Let Mortgage Northern Ireland How are mortgages arranged through Buy-to-Let?
The Dos and Don'ts of Buying to Let Northern Ireland?
What happens after Buying to Let Northern Ireland?
Are there any special conditions Northern Ireland?
Can a Buy-to-Let investment be protected?
Buy-to-Let Mortgage Northern Ireland
What other costs should be taken into account?
Tax and allowances?
Buy-to-Let Mortgage Northern Ireland |
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Buy-to-Let Mortgage Scotland
Buy-to-Let Scotland is a joint initiative by the Association of Residential Letting Agents (ARLA), and the mortgage lenders.
Buy-to-Let Mortgage Scotland
The scheme is designed to help private individuals to invest in property to let without being penalised by mortgage surcharges or paying commercial rates of interest. Mortgage lenders in the Buy-to Let scheme will take account of rental income likely to be achieved from a property.
Buy-to-Let Mortgage Scotland It's different?
The returns from Letting Property?
Buy-to-Let Mortgage Scotland What difference does a Letting agent make?
How to Buy-to-let Scotland
Buy-to-Let Mortgage Scotland How are mortgages arranged through Buy-to-Let?
The Dos and Don'ts of Buying to Let Scotland?
What happens after Buying to Let Scotland?
Are there any special conditions Scotland?
Can a Buy-to-Let investment be protected?
What other costs should be taken into account?
Tax and allowances?
Buy-to-Let Mortgage Scotland |
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Buy-to-Let Mortgage Wales
Buy-to-Let Wales is a joint initiative by the Association of Residential Letting Agents (ARLA), and the mortgage lenders.
Buy-to-Let Mortgage Wales
The scheme is designed to help private individuals to invest in property to let without being penalised by mortgage surcharges or paying commercial rates of interest.
Buy-to-Let Mortgage Wales
Mortgage lenders in the Buy-to Let scheme will take account of rental income likely to be achieved from a property.
Buy-to-Let Mortgage Wales
It's different?
The returns from Letting Property?
What difference does a Letting agent make?
How to Buy-to-let Wales
How are mortgages arranged through Buy-to-Let?
Buy-to-Let Mortgage Wales
The Dos and Don'ts of Buying to Let Wales?
What happens after Buying to Let Wales?
Are there any special conditions Wales?
Buy-to-Let Mortgage Wales
Can a Buy-to-Let investment be protected?
What other costs should be taken into account?
Tax and allowances?
Buy-to-Let Mortgage Wales |
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