Whether you are a first time landlord or a well established property
investor, our experts can provide you with the right advice.
Are you an established landlord or looking to become one? Buy to Let Mortgages (BTL) are aimed at
those who buy property to rent it out. For good reason, property has always been seen as a good option to have as a part of a balanced portfolio. Over the last 20 years or so, Buy to Let has grown
substantially. Although, it’s now more important than ever that your finances are in good order as the market undergoes some significant changes.
Custom Insurance & Mortgage Solutions has access to a wide range of lenders & BTL products. We have experienced advisers to ensure that you can finance your property portfolio, gain the rental income you require or grow your capital.
- Those seeking to invest in houses or flats
- Those that own an existing property, it may be challenging to obtain a BTL mortgage without owning an existing property.
- Those that have a good credit record and aren’t stretched too much with other borrowings.
- Those within a certain age range, many lenders typically have maximum age limits of 70 to 75 years at the date a mortgage starts.
- The fees tend to be much higher
- Interest rates on Buy to Let mortgages are usually higher
- The minimum deposit for a BTL mortgage is 25% of the property’s value
- Most BTL mortgages are interest-only. This means you don’t pay anything off the loan, but at the end of the mortgage term you can repay the capital in full
- The maximum you can borrow is linked to the amount of rental income you expect to receive
Think carefully before securing any other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage.
Custom Insurance & Mortgage Solutions is a trading style of Custom Mortgage Solutions Ltd, which is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Custom Mortgage Solutions Ltd is registered in England, no. 07439678. Registered office: 2nd Floor, Unit 1 Southern Gate Office Village, Southern Gate, Chichester, England, PO19 8GR
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
There will be a fee for our services, the exact amount will depend on your circumstances and precise details will be given to you on initial enquiry and you will not be expected to proceed until you have had the fee details in writing and have agreed the fee amount.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes. Lifetime Mortgages may affect means or state tested benefits and affect the inheritance you may leave. Lifetime Mortgages are only applicable for over 55s, may affect means or state tested benefits and could affect the inheritance you may leave.
Please be aware that by clicking on to the above links you are leaving Custom Insurance & Mortgage Solution website. Please note that Custom Mortgage & Insurance Solutions nor HL Partnership Ltd are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
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