Mortgages

Buy to Let

Get your investment started.

Buy to let (BTL) mortgages are for landlords who buy property to rent it out. The rules around buy-to-let
mortgages are similar to those around regular mortgages, but there are some key differences.

Unlike residential mortgages, the amount you are able to borrow on a BTL mortgage is mainly based on the rental income that the property can achieve. Lenders will calculate and stress test this amount differently so it can be helpful to work with a broker to see which BTL mortgages are actually available to you.

BTL mortgages can be more expensive than residential mortgages and usually require a 25% deposit, although some lenders do offer products with less deposit. We work closely with you to ensure you are aware of the costs associated with a buy to let property and the mortgage options available to you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO not KEEP UP your Mortgage REPAYMENTS
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Debt Consolidation

Combining credit cards, car loans and other unplanned or unsecured debt can reduce your monthly payments. We evaluate our customer’s financial situation to establish the short and long term benefits and disadvantages of consolidating debt through a homeowner loan.

After a straight forward chat, we search the market to establish the most appropriate options available and present an unbiased proposal to help put you in control of your finances.

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