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Buy to Let Mortgages

My Perfect Mortgage provides bespoke services to help you get the most from your mortgage and achieve financial peace of mind.

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Let us compare the latest mortgage deals for you over the phone, or see one of our mortgage advisors in person for free!

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Our team of advisors have access to the best rates of over 50+ niche high street lenders.

Mortgages made easy

You won’t have to tell us any info twice, we’ll keep it and put it in the form so you can check it and apply by phone.

Track & Chase

We track your application for you. We’ll even appoint a dedicated case manager who’ll do all the legwork for you.

Your Perfect Buy to Let

Finding the best mortgages on the market sometimes isn’t quite as straightforward as people would like it to be. With dozens of mortgage lenders and literally hundreds of different deals available, it can be difficult to know where to start.

Perfect Advice

Our advicers will find the perfect mortgage to suit your circumstances.

Perfectly Protected

We believe that every mortgage should be protected so that if the unforeseen happens we can keep you and your family in your home.

Perfect Rates

With over 50 lenders to choose from, we have over 2,000 mortgages to find the perfect rate for you.

Perfectly Supported

Our administration team will look after you through the whole process. Liaising with you, the lender, solicitor and estate agent if applicable.

Speak To Your Perfect Advisor Today

Let us know how you’d like to proceed with your mortgage needs and we’ll help point you in the right direction. Call us directly on 0333 939 0165.

Awesome tools and calculators

Get a head start with your mortgage journey. Our awesome mortgage tools are here to give you the information you need when considering a mortgage.

How much can I borrow?

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How much with my repayments be?

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buy to let faq

What is a buy-to-let mortgage?
If you’re buying a property that you plan to lease out to a tenant, you’ll need to apply for a buy-to-let mortgage.

As a rule, lenders treat buy-to-let mortgages differently from homebuyer mortgages – they often charge 1-2% more interest and will require a higher deposit. Lenders may also evaluate your application in a different way and subject it to different criteria.

When buying, it’s important to tell your mortgage broker whether you’re planning to move into the property or whether it will be let out. Your broker can help you find the right product for you and get your role as a landlord off to a flying start.

Is buy-to-let a good investment?
With rental incomes steadily increasing over recent years letting out a property can be a good way to bring in a regular income. If you can find the right property and the right mortgage it is possible to make a rental yield of around 5 – 10% depending on where you’re based.

Although buy to let can be a good investment there are also risks to consider too. It’s really important to make sure you’ve got your sums right and thought about everything renting out a property entails before committing to a mortgage and becoming a landlord.

How difficult is it to get a buy-to-let mortgage?
The buy-to-let mortgage market is quite competitive, but lenders are still more cautious than they were before the credit crunch. Generally, they’ll expect borrowers to put down a deposit of at least 25 per cent of the purchase price of the property – and possibly 35 per cent on new-build homes, which are regarded as more risky investments. Our buy to let calculator will give you an idea of how much you will be able to borrow.

Lenders also expect you to be able to prove your income and to provide evidence that the market rate for rental income on the property you want to buy is at least 125 per cent of the mortgage repayments.

An adviser will help you resolve these issues. You will also need to research the market carefully in order to find the best place to invest.

What are the taxes accociated with buy-to-let?
Getting your tax arrangements absolutely right is a crucial part of buy-to-let investment. If you fail to get to grips with the rules, you could find yourself landed with sudden and unexpected bills, or even end up in hot water with the authorities.

It’s also important you understand what taxes must be paid and when because these are costs that will affect the returns on your buy-to-let investments. These include:

Stamp duty

Income tax

Capital gains tax

Inheritance tax

Free Buy to Let Advice.

Get started today and see how we can help you on your buy to let journey. Book your mortgage appointment today with a member of our team.