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Buy to Let

A Buy to Let mortgage is a long-term mortgage secured against a residential property which is tenanted and income producing.

What is a Buy to Let Mortgage?

Buy To Let mortgages are appropriate for residential investment property, including flats, houses, houses split into flats, or houses in multiple occupation (HMOs). They can be owned by Limited Companies or by individuals.

What can a buy to let mortgage be used for?

Buy to Let mortgages can be used for a multitude of purposes, including purchasing a new Buy to Let property, raising capital against an existing portfolio to enable you to raise a deposit contribution for further purchases, refurbish existing properties or simply releasing equity for your other business requirements.

Many Buy to Let mortgages have a fixed rate period which, when it expires, revert to the lenders variable rate which is usually higher than the initial lending rate. Lots of our clients take this opportunity to ask us to research the market to see what other deals are available from the whole of the Buy to Let market place. With more and more lenders coming into the sector, the landscape changes regularly, and the lender that was right for you five years ago might not necessarily be the right one for you today.

Buy to Let properties are owned as an investment and/ or to provide an income, therefore it makes sense to ensure that you are maximising the potential of your properties and review your borrowing arrangements frequently. This could occur on expiry of a fixed rate, with an upturn (or downturn) in housing prices, or changes to the law around Buy to Let properties & mortgages.

What are the key features of Buy to Let mortgages

Up to 80% LTV

Interest rates from 2.99%

Interest only loans and Capital an Interest are available

No early redemption penalty mortgages are available

Adverse credit can be considered

Available for ex pats

We have lenders who have no minimum income criteria

We have access to lenders who cover the entire spectrum, so whether you are looking for the cheapest deal possible or raising the maximum amount possible we have the right lender for you

Criteria Overview

  • UP TO 75% LTV
  • LOAND FROM £25k TO £50m
  • UP TO 25 YEARS

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Positive Commercial Finance is a trading name of Business Financial Solutions Limited. Registered in England & Wales 06451075. Registered office address Warth Business Centre, Warth Road, Bury BL9 9TB. Authorised and regulated by the Financial Conduct Authority (716012). Full members of the NACFB and FIBA. ICO registration reference Z1196910.