Buy-to-Let Guide

There are many lenders in the buy to let market offering a multitude of products between them with a choice of deals and structures to meet nearly every variation needed.

Buy to Let mortgages can be purchased over the internet and almost every mortgage adviser will happily recommend a buy to let mortgage. For the serious property professional though, the opportunities are endless but are only as good as the financial and legal strategies adopted. Without the expertise of a specialist BTL mortgage adviser and legal adviser team, complex strategies such as buying below market value (BMV) often fail.
We are the chosen team for 1000’s of property professionals who use our skills and knowledge to adopt financial strategies to build substantial portfolios. We are also recommended by hundreds of property agents and property advisers to assist with their client’s needs.

IF YOU WOULD LIKE TO TALK TO A MORTGAGE ADVISER ABOUT YOUR MORTGAGE REQUIREMENTS CLICK HERE

Why are we different?
We insist on staying at the cutting edge of property investment and there is rarely a strategy in the market place that we haven’t already tried, tested and perfected. We were one of the first providers to adopt the bridge/remortgage strategy and have help our clients build million pound portfolios with no money down. 
If you have a standard property with a good rental yield, then because we access EVERY available lender in the market place you can be confident our mortgage advisers will recommend the most cost effective BTL mortgage for your needs and our legal team will process your purchase efficiently.

If however your requirements are more complex, see below examples of some of the schemes we offer:

• Bridge and remortgage scheme
  If you find a property that is worth more than you are paying for it using bridging finance to purchase a property and then re-mortgaging to a BTL lender is a great way to buy the property without a deposit and in some cases even get cash back! There are a lot of new schemes cropping up but don’t be fooled into thinking anyone can do this. Only certain lenders are happy with this and many with strict criteria. If you use an in-experienced team and it goes wrong, you will not know the strategy has failed until just before completion often too late to rescue!
  Click HERE to find out more details about our unique ‘proven’ scheme and how to book bridging funds.
• Low rental yields finance schemes
  Most buy to Let mortgages rely on the rent being more than the mortgage payments. However with falling yields a property may still be attractive for capital growth even when the potential rent is low. We have analysed the market and offer exclusive deals with lenders who have a fresh approach, for example, allowing the investor to make up the rent shortfall from their own income or not assessing the properties rent at all!
  Click HERE for more information on ways to deal with low rental yields.
• Multi unit property scheme
  A freehold property that you plan to convert into flats or that has already been converted into flats often represents a great opportunity to increase value simply by creating a long lease on the individual flats and giving them their own legal title. This strategy uses a combination of finance stages and legal processes but has made some of our client’s substantial profits for very little work in a short period of time.
  Click HERE for more information on ways to finance this type of property
• Funding a deposit scheme
  Building a portfolio takes cash flow and many investors start by raising capital from their own home.  The trick is to ‘prepare’ the funds but not pay any interest until they are needed. If you can raise £100000 but you plan to use this to build a portfolio of 5 properties over 6 months it is not cost effective to have that sitting in a current account while it is waiting to be used. We have successfully combined a ‘drawdown’ mortgage (draw it down as you need it) with a facility of up to 125% of their properties value!
  Click HERE for more information on how to raise deposits