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Buy to Let

Single Buy-To-Let Property Purchases
Buy to let mortgages are not currently regulated by the Financial Conduct Authority and therefore it is important to ensure that you receive the best advice for each individual purchase. Buy to lets properties have become part of everyone’s portfolio in as much as you would have stocks and shares, an ISA or a piece of art. Each lender has its own area of expertise so it is important that you have a broker that can research a comprehensive range of mortgages from across the market and provide you with impartial advice.

Buy to lets can be available to both first time investors and those with experience, some lenders will look purely at the rental income of the property whilst others require the applicant to have a minimum income. With our extensive knowledge in this market we can tell you very quickly which lender is suitable for your circumstances.

Buy-to-Let Property Portfolio’s
Once a client has a small portfolio of BTL’s they often begin to have a requirement for a line of credit. This is to enable them to buy properties which need internal refurbishments before letting, thus enabling them to obtain higher rental incomes. These facilities are normally only available to “professional” landlords though in fact there are lenders available to first time BTL landlords. Also BTL loans are available for properties of multiple occupation (HMO) and also asylum* properties (*however these landlords have to be licensed).

Here is our buy to let guide to provide you with more understanding of buy to let.

Your property may be repossessed if you do not keep up repayments on your mortgage.

For mortgage advice we can be paid by commission from the lender or we can charge a fee of typically 0.5% of the loan amount.

Mortgages, Bentley Holmes, Independent Financial AdviceMortgages, Bentley Holmes, Independent Financial Advice