Investment Mortgages

Looking for a suitable buy-to-let property can be a minefield – what should you look for? How will you know you’re making the right choice?

Try to be as objective as you can in your search and create a list of key questions to help aid your decision making. We’ve put together a few example questions to help you along the way – and if you are interested in a buy-to-let property – call us or visit our page to book an appointment to see how we can help kickstart your property portfolio.

Here are some of the topics you may wish to consider when looking for a buy-to-let property:

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• Who do you want to rent to?

• How long might it take to secure tenants around this area?

• What is the rental market in the area like? Is it growing or declining?

• Is there the potential to build in capital growth?

• Will the rent you receive cover your costs?

• Can you make improvements to the property in order to increase rental income or capital growth?

• Have you looked at any forecasts for property growth in the area?

• Should you rent privately or use a letting agent?

• Ownership - should you purchase a BTL property within a limited company SPV?

With buy-to-let, your purchase a property specifically to rent out, whereas with let-to-buy you buy a new property to live in yourself and rent out your current home. When switching to a buy-to-let mortgage, your eligibility will be based on how much rental income you can bring in from the property you're letting out, rather than how much money you earn. Let-to-buy has lots of moving parts, so it's highly recommended that you seek advice on your options. As well as finding you the most suitable buy-to-let and residential mortgages, we manage the process from start to finish, helping to ensure you can complete both mortgages simultaneously. 

Portfolio Landlords have a lot to manage. When we work with individual or Ltd company landlords, we hold this fully under one roof, ensuring the portfolio is monitored and remortgages are planned well in advance. New purchases are fit into the schedule and managed end-to end. Ensuring you get the best deal is crucial to the overall profitability of your investment.