BUY TO LET & LTD CO. BTL
Thinking of buying a property to let or are you already a professional landlord with an existing property portfolio?
We are advising clients from their first investment property through to refinancing multi-million pound portfolio’s.
Many people seem to own investment properties that they have either bought intentionally or they have become “accidental” landlords through inheriting property or not selling their homes when moving up the ladder.
For some people it has become a strategy to help them increase their available income in retirement, to provide them with passive income or to have property to be able to pass on to their children so that they can get onto the property ladder when of age.
There have been a large number of changes introduced into the BTL market over the last number of years, including the recent change to Mortgage interest Tax Relief. These changes have caused a big shake up in the Buy to Let mortgage market, with lenders being required to impose stricter affordability tests and limiting eligibility of loans due to these tighter controls.
This makes it more vital than ever to sit down with a mortgage adviser to go through your situation and what you want to do.
Give us a call today top see how we can help you with your Buy to Let mortgage needs.
Limited Company Buy To Let Mortgages
Limited company buy to let mortgages are available from many lenders including high street banks and building societies through to specialist broker only lenders. Furthermore, we understand the market, the tax situation and the best way to finance a Limited Company property transaction including student accommodation, HMO’s and refurbishment properties.
There are certain differences to obtaining the mortgage in your personal names and we have the experience to be able to guide you through the process, recommending the most appropriate funding for your individual requirements.