Buy To Let

Buy To Let

Thinking of purchasing a property to let or add to your existing property portfolio? Speak to us today about our Buy to Let proposition 
Thinking of making an investment purchase, no problem, lets talk Buy to Let
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Process

Buying a property to live in is one thing but when it comes to buying one to rent out is a specialist area to consider. From owning one property to having multiple properties in a portfolio, it is key to ensure all the mortgages are performing as they should. Buy to Let mortgages work in a different way to a residential mortgage in the fact that lenders will look at different factors, all subject to status. Obviously earned income is still one factor however it is not necessarily the key factor. A lender will look at cases on individual merits but the rental income derived from a property is important. A Buy to Let mortgage can require a larger deposit than your standard residential mortgage.

About

Buy to Let mortgages come in the same shapes and sizes as residential mortgages in terms of the scheme types, process and repayment methods although in the main a Buy to Let mortgage can work more efficiently on an interest only basis in some circumstances. Criteria and allowances are different from lender to lender. Some Buy to Let lenders will allow properties to be put into a limited company environment which can be more tax efficient to landlords. All these factors illustrate the need for expertise to be a leading factor when looking at mortgages of this complexity.

Solution

So we have mentioned that a Buy to Let can be more complex, but don't let that put you off, they are just mortgages at the end of the day and at 3D Mortgages we like to navigate our clients to enable mortgage to become a stress free experience and Buy to Let is included in this experience. We can advise you on all your plans in this area and make the relevant recommendation based on your plans. The overall buying and re-mortgaging process is the same across most types of mortgages which include fees, surveys and legals. Let us guide you into the world of becoming a landlord or maintaining your portfolio in the best way moving forward.
Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.
Your property may be repossessed if you do not keep up repayments on your mortgage.

All your mortgage services, in one place

We offer a wide range of services to meet every type of need and mortgage requirement. We use cutting edge technology to research the whole of the mortgage market, to get you through the mortgage maze with no hassles.
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