Buy to Let Mortgages

First-time landlord or experienced property investor? We have the knowledge you need!

Ducan from in tune financial searching for buy to let mortgages

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Fancy life as a landlord or maybe you want to grow your existing portfolio? Buy to let mortgages are a specific type of lending that allow current or prospective landlords to buy a property with the sole intention of letting it out. At In Tune Financial, we specialise in arranging mortgages to buy property for investment and our expert advisers are here to keep the process simple.

 So how does it all work?

Unlike a residential mortgage, your maximum loan size is mainly linked to the rental income it will generate on an ongoing basis. There are several other factors that will be considered, from your tax band, to the length of time you are prepared to tie into a deal, so we would encourage you to get in touch with any questions and our specialist advisers will be able to assist.

The most common types of Buy to Let mortgage are as follows:

Business Buy to Let– You choose to buy property as an individual using a deposit (commonly 25%) and rent this out to generate income. You can do this as a first-time landlord or as an experienced investor with a portfolio of property.

Consumer Buy to Let- The Consumer Buy to Let is in place for those who become accidental landlords. An example of this is inheriting a property and deciding to rent it out for some extra income or maybe you have moved in with your partner and have decided to let your property out rather than sell it. The Financial Conduct Authority (FCA) regulate this type of mortgage as an ‘accidental landlord’ may be seen as more vulnerable.

Limited Company Buy to Let- This is when the property is bought and owned by a limited company/Special Purpose Vehicle (SPV) dedicated to purchasing property. While few high-street lenders offer this option, it is widely used by property investors and higher rate taxpayers as there may be tax benefits to purchasing this way.

It is important to understand the tax implication in all cases and we always recommend speaking to a tax specialist to understand the benefits and drawbacks.

 

Your home may be repossessed if you do not keep up repayments on your mortgage
The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Fancy life as a landlord, or maybe you want to grow your existing portfolio? Buy to let mortgages are a specific type of lending that allow current or prospective landlords to buy a property with the sole intention of letting it out. At In Tune Financial, we specialise in arranging mortgages to buy property for investment and our expert advisers are here to keep the process simple.

 So how does it all work?

Unlike a residential mortgage, your maximum loan size is mainly linked to the rental income it will generate on an ongoing basis. There are several other factors that will be considered from your tax band to the length of time you ate prepared to tie into a deal, so we would encourage you to get in touch with any questions and our specialist advisers will be able to assist.

The most common types of Buy to Let mortgage are as follows:

Business Buy to Let– You choose to buy property as an individual using a deposit (commonly 25%) and rent this out to generate income. You can do this as a first-time landlord or as an experienced investor with a portfolio of property.

Consumer Buy to Let- The consumer Buy to let is in place for those who become accidental landlords. An example of this is inheriting a property and deciding to rent it out for some extra income, or maybe you have moved in with your partner and have decided to let your property out rather than sell it. The Financial Conduct Authority (FCA) regulate this type of mortgage as an “accidental” landlord may be seen as more vulnerable.

Limited Company Buy to Let- This is when the property is bought and owned by a limited company/Special Purpose Vehicle (SPV) dedicated to purchasing property. While few high street lenders offer this option, it is widely used by property investors and higher rate taxpayers as there may be tax benefits to purchasing this way.

It is important to understand the tax implication in all cases and we always recommend speaking to a tax specialist to understand the benefits and drawbacks.

 

Your home may be repossessed if you do not keep up repayments on your mortgage
The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Enquire Now


Talk To Our Expert Team

We know how important it is to get your questions answered and we’d like nothing more than providing you with the right answers. If there’s anything in particular on mind, just ask away!

Phone:

02892438523

Address:

Suite 717, Lisburn Enterprise Centre, 6 Enterprise Crescent, Lisburn, BT28 2BP

In Tune Financial is a trading name of Duncan Campbell who is an appointed representative of PRIMIS mortgage network. Primis Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authrity for mortgages, protection Insurance and general insurance products.