buy-to-let mortgages
Whether you’re just starting your journey as a landlord or managing a portfolio of properties, buy-to-let mortgages offer tailored financial solutions to meet your goals.
A buy-to-let mortgage is designed for property investors or landlords looking to purchase or remortgage a property to rent out.
Financing Your Investment
Understanding your financial options is key to a successful buy-to-let investment.
Here’s what you need to know:
Loan-to-Value Ratios (LTV):
Most lenders offer buy-to-let mortgages with a maximum 75% LTV, meaning you’ll need a deposit of at least 25%. In some cases, a small number of lenders may offer up to 80% LTV, but these options are more limited and may come with stricter criteria.
Rental Income Requirements:
Lenders typically require your rental income to cover 125% to 145% of the mortgage payments. [Source: Industry standards for rental cover ratios, as outlined by major UK lenders]
Property Types:
Whether you’re purchasing a standard property, an HMO (House in Multiple Occupation), or a holiday let, we can help you find the right mortgage.
Legal & Financial Considerations
As a landlord, it’s important to understand the financial and regulatory requirements of buy-to-let ownership:
Ongoing Costs: Budget for maintenance, void periods, and insurance.
Tax Implications: Be aware of tax on rental income and potential capital gains tax when selling the property.
Regulations: Ensure compliance with landlord laws, such as safety certifications and tenant deposit protection.
Property Management and Portfolio Landlords
Whether you’re managing a single property or a large portfolio, our services extend to:
Buildings and Contents Insurance: Protect your investment with tailored insurance options.
Portfolio Financing: Explore flexible solutions for refinancing multiple properties.
What Our Clients Say
Client trust and satisfaction are at the heart of what we do.
Here’s what our clients have to say about working with us.
Raj Dard
"Emma came highly recommended to me as the person who could handle my complicated portfolio of buy-to-let properties. From the outset, Emma was attentive, receptive, and professional. She guided me through three remortgages in a restricted market with ease. Communication was excellent throughout, and Emma’s deep understanding of the mortgage market ensured I made the right decisions. I would, and indeed have, recommended Emma as your choice of mortgage advisor."
Your home may be repossessed if you do not keep up repayments on your mortgage.
faq
Specialist Mortgages
Lenders typically use a rental income calculation, requiring it to cover 125% to 145% of the mortgage payments. [Source: Industry guidelines for rental cover ratios]
Yes, many lenders offer products tailored to new landlords. We’ll help you find the right options.
Rates vary based on factors like deposit size, LTV, and the type of property. We’ll compare options to find the best deal for you.
Many buy-to-let mortgages are interest-only, but repayment options are also available. We’ll guide you to the best solution for your goals.
Ready to invest in property? Contact us today for expert advice on buy-to-let mortgages.
Oundle and Stamford Mortgage Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. You can find Stonebridge Mortgage Solutions Ltd on the FCA register by clicking here. Oundle and Stamford Mortgage Services Ltd is entered on the Financial Services Register under firm reference number 842633. Registered Office: Oundle and Stamford Mortgage Services Ltd., 2a New Street, Oundle, PE8 4EA. Registered Company Number: 11811100. Registered in England and Wales.
Please note: Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.