Last updated on December 16th, 2021 at 10:18 am
We are a specialist Buy To Let Mortgage Broker, assisting landlords and property investors source BTL mortgages.
A Buy To Let Mortgage can be used to purchase or refinance a residential property for investment purposes. Typically this would involve having a single tenant on an AST tenancy agreement.
*SAME DAY DECISION IN PRINCIPLE*
You may also need a BTL mortgage for a small HMO or for holiday lets and serviced accommodation.
As an independent broker we can help to search the market to find a BTL mortgage that meets your criteria. This can be for new purchases or for remortgages.
Buy To Let Mortgage
Specialist Buy To Let Mortgage Broker
Whether you are a first time property investor or an experienced portfolio landlord, we can help. We work with a wide range of banks and specialist Buy to Let lenders to accommodate a wide range of circumstances.
Key Features of Buy To Let (BTL) Mortgages
We can assist with a wide variety of property types, investment strategies and individual circumstances.
- Any Amount From £40k to £25 million
- Term Loans From 1 to 30 Years
- Interest Rates From 2% Per Annum
- Interest Only and Capital Repayment
- LTV Up To 80%
- First & Second Charge
- Portfolio Landlords With No Limits on Portfolio Size
We can assist with applications for any entity type, including Individuals, LLPs, Limited Companies, PLCs, Trusts, SIPPs, SSAS & Expats.
For Limited Companies we can assist new Special Purpose Vehicles (SPVs) or trading businesses.
The minimum required Buy To Let Mortgage deposit is usually around 20% of the purchase price.
Different Types of Buy To Let Mortgage
We have experience sourcing mortgages for a wide range of property types in the UK. The type of property and what your plans are for it, can have a big impact on the kind of mortgage that you may need.
Single Let Residential Houses & Flats BTL
Perhaps the most common type of BTL mortgage is for a single residential house, with just on AST. For example a terraced house with a single family paying £600 per month rent.
- Fixed Rates 2, 3, 5 & 10 Years
- Interest Only or Capital Repayment
- Terms Up To 30 Years
- No minimum income required
We are specialists in arranging mortgages on multi unit blocks for our clients. If your property has more than one self contained apartment or flat, then you will need a Multi Unit [MUFB] mortgage.
- Blocks of Flats & Apartments
- Student Accommodation
- Retirement Living
Read our full article here Multi Unit Buy To Let Mortgage [MUFB BTL 2021]
HMO Buy-to-Let Mortgage
We can arrange HMO mortgages for any size of House In Multiple Occupation.
Your property investment is a house in multiple occupation (HMO) if both of the following apply:
- 3 or more tenants live there, forming more than 1 household
- Shared toilet, bathroom or kitchen facilities with other tenants
Holiday Let & Serviced Accommodation Mortgages
If you are planning to purchase a property to use as a holiday let or a serviced accommodation. Then you will need a specific type of mortgage.
- Holiday Let Mortgages
- AirBnB Mortgages
- Serviced Accommodation Mortgage
Apply For A Buy To Let Mortgage Today
Speak to one of our independent Buy To Let mortgage experts today.
Arrange a not obligation quote, find out rates and LTV.
Call 0161 5469128 or fill in the form below.
Buy To Let Mortgages Manchester & Bolton
We offer a face to face mortgage broker service for any client in Manchester, Bolton and surrounding areas.
Easily drop in to the office to sign forms and complete applications as required. Home visits also possible by appointment.
Buy To Let Mortgage Broker based in Bolton, Greater Manchester.