Buy to let
Whether you are buying your first investment property, or have an existing portfolio, we have all the experience that you require.
The letting market is certainly buoyant at present and more lenders are entering the Buy to Let mortgage market.
Unlike residential mortgages which are calculated on the basis of the applicant’s salary, Buy to Let mortgages operate differently. The mortgage lender applies a rent to interest (RTI) cover calculation. This means the borrower must be able to prove they can obtain enough rental income from the tenant to cover the interest on the mortgage. RTI cover amounts vary between lenders and are normally between 100% and 130% of the monthly interest payment.
More information about different types of mortgage
- Find you the best, most suitable mortgage
- Help you with all the forms and documentation
- Liaise with the lender and provide you with constant feedback until you have moved into your new home
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