Buy to Let Mortgages - Our advice service
Whether you're a seasoned Buy to Let investor or are just considering you're first investment property, a good mortgage advisor can help you broaden your options.
By dealing with high street banks and specialist lenders alike there's a wealth of extra opportunities which you may benefit from including;
- More loan to value options
- More flexibility around income requirements and assessment
- More generous affordability calculations
- More generous & flexible rental assessment
- Lower rental coverage requirements
- A broader range of income streams accepted
- Better terms around gifted deposits & Builders Deposits
As well as buy to let mortgages we can also arrange Let to buy mortgages. Let to buy is where the lender assesses the rental coverage of your current home against your existing mortgage.
Let to Buy is used where you wish to buy a new property to live in while letting your existing property to tenants.
Landlords Insurance
As well as helping you find the right mortgage we can also help you find the right cover for your portfolio which could be another area for you to reduce your running costs.
Mortgage Broker best buys - Top Buy to Let Mortgage Rates
Below are some of the best rates available via Independent Mortgage Brokers and UK Mortgage Advisors currently.
All fee's and charges are based on a loan of £100,000 on an interest only basis and a valuation reflecting the maximum Loan to Value, so where a product is up to 75% Ltv the Figures will be based on a valuation of £133,333 and at 80% would be based on a valuation of £125,000 etc.
Fixed rate Buy to Let Mortgages
Additional information - last checked: 27/10/09
Reversion rate currently 4.74%. Monthly payment based on £100K borrowing = £433.33
Free basic valuation, Mortgage is Portable, Mortgage is Flexible, 5% Overpayments allowed per year. Early repayment charges 4% of loan to be paid until 31/12/2011, Lender conveyancing fee £177.43, telegraphic transfer fee £35.
Additional information - last checked: 06/10/2009
Reversion rate currently 3.99%. Monthly payment based on £100K borrowing = £450.00
Rental coverage 125% required. Mortgage is Portable. Mortgage Times Group exclusive product. Free basic valuation, Lender conveyancing fee £295, Telegraphic transfer fee £35. Early repayment charges 3% of loan to be paid until 01/12/2011
Additional information - last checked: 27/10/09
Reversion rate currently 6.0%. Monthly payment based on £100K borrowing = £457.50
Mortgage is NOT portable and not for first time buyers. Early reapyment charges 3% of loan to be paid within first 2 Years Basic valuation £250, chaps transfer fee £35.
Variable rate Buy to Let Mortgage Products
Additional information - last checked: 27/10/09
Reversion rate currently 4.69%. Monthly payment based on £100K borrowing = £340.83
Mortgage is Portable, Mortgage is Flexible, 10% Overpayments allowed per year. Basic valuation £375, Lender conveyancing fee £100, Telegraphic transfer fee £35, Insurance admin charge £25, Early repayment charges 3% of loan to be paid until 30/11/2011.
Additional information - last checked: 06/10/2009
Reversion rate currently 4.69%. Monthly payment based on £100K borrowing = £362.50
Mortgage is Portable, valuation fee £390, lender conveyancing fee £295, telegraphic transfer fee £35, early repayment charges 3% of loan to be paid within first year
Additional information - last checked: 30/11/09
Reversion rate currently 4.69%. Monthly payment based on £100K borrowing = £390.83
Free basic valuation. Mortgage is Portable, Mortgage is Flexible, Overpayments allowed. No early repayment charges, lender conveyancing fee £177.43, telegraphic transfer fee £35.
Additional information - last checked: 06/10/2009
Reversion rate currently 3.99%. Monthly payment based on £100K borrowing = £391.67
Mortgage is Portable, valuation fee £390, Lender conveyancing fee £295 Telegraphic trasnfer fee £35, Early repayment charges 3% of loan to be paid within first 2 Years.
Additional information - last checked: 27/10/09
Reversion rate currently 4.74%. Monthly payment based on £100K borrowing = £415.83
Free basic valuation, Mortgage is Portable, Mortgage is Flexible, 5% Overpayments allowed per year. Early reapyment charges 4% of loan to be paid until 31/12/2011, lender conveyancing fee £177.43, telegraphic transfer fee £35.
Broker best buys
