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It has changed a lot over the last few years for BTL owners with more than 4 properties now being classified as “portfolio landlords”. This has led to some mortgage lenders pulling away from the market and others bringing in more stringent rules. These rules include, capping the amount of lending or reducing the amount of properties that you can buy with that lender.
We have years of expertise in the BTL mortgage market
We take the hard work out of your BTL’s so you can focus on what’s important, making profit. Whether you are an existing BTL landlord with a growing portfolio or a first time landlord taking your first tentative steps into the BTL arena, we have the expertise to guide you through the process smoothly and efficiently and will guide you on the benefits and pitfalls of interest only versus repayment. We will also cover the varying different mortgage products on offer and how to maximise the amount of borrowing if you are looking to build your portfolio and release cash from your existing properties.
Through our years of experience, we can help portfolio landlords source available lenders to grow their portfolios or similarly find the suitable products for a first time buy to let landlord. Other scenarios we can assist with are turning your existing property into a BTL and moving into a new property (Let to Buy).
Whilst rates would normally start with a 25% deposit, we have access to a wide range of products and some with as little as a 20% deposit. Chat to one of our BTL experts today and find the deal that is right for you.
Lenders have different rules and specific products and contracts for a mortgaged property. If you are going to both stay in it and rent it. Let us help you obtain the appropriate mortgage contract and ensure you are not breaking any rules.