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Buy to Let Mortgages

100% Mortgages Available
We can arrange buy to let mortgages up to 100% (additional security may be required from the landlord)

Term
5 to 45 years repayment terms available depending on Landlords age.

Projected rental income equal to 100% of the anticipated mortgage repayment considered, however self certification is also available.

Flexible Repayment Options:
You can overpay during times when property is in good tenancies and you would be able to take payment holidays should the property be unlet for a while. Capital Repayment and interest only both options available.

Stable Income:
An attractive property in an area with good demand may provide a regular, stable and generally rising income.

Potential for increase in Capital Value of Property
Rental income is a good way to covering maintenance and mortgage cost and some capital gain is chief incentive in buy to let business for landlords.

Rent Reviews.

With Assured Shorthold Tenancy agreement and landlord being free to negotiate rents with their tenants, this made buy to let a much more appealing proposition for the landlords.

No brokerage fee charged.

Please note that an empty property or one from which unprofitable tenant cannot be removed is a problem for the Landlords. There are maintenance costs involved like Insurance, ongoing repairs, refurbishment. There are also administrative cost like Estate Agent’s commissions from the rental income involved. Rental income will be subject to income tax, capital gains tax will be payable on any increase in the value of a property and Inheritance tax is also chargeable on the value of estate in excess of IHT threshold on the landlord’s death. When buying a second property you should consider weather you need to make any amendments to your will to deal with this asset