Buy to Let
We’ll find the right mortgage deal for you in just a few simple steps
Whether you’re investing in your first property or building up your portfolio, at Breeze Mortgages we want to help you to make a success of your investment.
Not all Buy to Let mortgages are regulated by the Financial Conduct Authority
Buy to Let mortgage guide
The way the lender underwrites a Buy to Let mortgage is typically based on rental coverage – will the rent earned on the property cover your repayments?
In the majority of cases, there will be less emphasis placed on your earned income.
Buy to Let mortgages tend to have higher interest rates than your standard residential mortgage and can also have higher set up fees.
You should expect lenders to ask for an absolute minimum deposit of 20% of the property’s value for a Buy to Let mortgage. However, to get the best rates a minimum 25% deposit is required.
Buy To Let Best Buys
How much will my mortgage cost?
Loan to value calculator
Purchasing or Remortgaging a BTL property which is owned by a LTD Company
With the recent tax changes (Section 24) we have seen a much higher demand for Ltd company Buy to Let Mortgages. You should always speak to a tax adviser before pursuing this option, to make sure it is right for you and your future investment plans.
Here are just a few reasons why you may want to consider a Limited Company mortgage for your investment: