Buy-to-let is a popular investment for those looking to diversify their portfolio of savings or stocks and shares.
As with any investment, you will want to maximise your return and securing the correct finance is fundamental to achieving this aim.
At Hudson Rose we have advised a wide range of clients on sourcing the correct investment mortgage, from first time landlords to experienced portfolio investors.
Whether the borrowing is to be held in personal names or via a special purpose vehicle such as a limited company, our whole of market reach and access to exclusive products coupled with our expertise in this area means that you will benefit from the best chance of achieving your strategic aims.
From a mortgage perspective, the buy to let market has changed massively over the last few years with lenders tightening up affordability criteria to reflect the tax changes imposed by the government.
We ‘live’ in the UK mortgage markets and, as such, will be able to advise you on the up to the minute policy of lenders to make sure you source the right level of funding at the right cost.
Benefits of investment mortgage advice
Buy to let properties are financed using a different set of criteria to that applied to residential mortgages. If it is your intention to rent a property out with the use of finance, you must source a specific buy to let mortgage.
The level of rent received, the type of product selected and even your personal tax bracket all affect the amount you are able to borrow. There are also considerations as to how you intend to let the property (and to whom you intend to let it to) that need to be factored in. For example lenders take different approaches to student lets, houses of multiple occupation as well as holiday properties.
Recent changes in regulation has also meant that portfolio landlords are now assessed using more stringent criteria.
If you want to find out more about your ability to borrow in the investment mortgage sector, drop us a line and let's talk.
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