Buy to Let Mortgage Advice from Award Winning Mortgage Brokers

From first time property investor to experienced portfolio landlord our team are at hand to support you with your mortgage requirements.

Call Us 0208 364 3444

Access to Over 55+ Lenders & 30,000+ Mortgages

Expertise - Award winning buy to let mortgage brokers sourcing products that offer value, to maximise your returns and minimise your risks.

Speed - Our direct relationships with many lenders mean we can often secure outline terms within 24 hours and arrange the best mortgage for you.

Personal - We offer a level of personal service which few other brokers can match, thus ensuring that you fully understand the financial product you are selecting.

We Can Help With Buy to Let Mortgages

Arranging Your Buy to Let Mortgage

Arranging a buy-to-let (BTL) mortgage is similar in many ways to any other mortgage, however the main difference is that instead of living in the property you intend to rent it out.

The BTL lender will also look at different factors when assessing the maximum loan available. One of the most important issues will be the potential rent the property is able to attract. The lender may also require you to have a minimum annual income in the region of up to £25,000, although this is not always the case.

You will require a deposit for a purchase of at least 15% of the value of the property, typically however most BTL mortgages are at 75-80% loan to value (LTV).

We will assess your personal circumstances, the subject property and your investment strategy before recommending the most suitable product to meet your needs.

What Taxes Should I be Aware Of?

Stamp Duty Land Tax (SDLT)
SDLT is tax you pay when you buy a property. There is a standard calculation when you buy your main home, which goes up the more expensive it is. The same applies when buying further properties, but now includes an additional 3% charge.

You will have to pay this surcharge whether it's a second home, a new home if planning to rent out your current one (known as 'let to buy'), or a BTL purchase, even if you're living in rented accommodation yourself.

Income Tax
You are liable to pay tax on income earned from rental property. This is income tax if it's a personal purchase, or corporation tax if you own it through a limited company. The amount depends on rental income, mortgage interest and other tax-deductible costs.

An Award Winning Brokerage Service
We are proud of the awards we've won and so are our clients, these include being awarded the Business Moneyfacts Buy to Let Mortgage Broker of the Year 2019 and receiving the Openwork Top Performer Award 2018.

Should I Buy in My Own Name or Via a Limited Company?

Up until the 2016/17 tax year, landlords could deduct mortgage interest and other allowable costs from their rental income, before calculating their tax liability. From 6 April 2020, tax relief for finance costs will be restricted to the basic rate of income tax, currently 20%. 

These changes will not affect you if you are a basic rate taxpayer however if you are a higher or additional rate tax payer, or will become one after your rental income is taken into account then your profit will be reduced or potentially even make a loss after tax.

It can be more tax efficient for higher and additional rate taxpayers to invest in property via a limited company as the tax changes do not apply to limited companies. We can put you in touch with tax specialists who can guide you through the most tax efficient way of purchasing a rental property.

Download our free guide to learn more about buying property through an SPV Limited company. 

We Have a Solution to Your Problem

Buy to let property and mortgages can be complex. We have vast experience in finding solutions for most problems and invite you to read through our case studies to see how we have managed to help others.

Get in Touch

Our award winning mortgage brokers are available instantly via instant chat, telephone or email, alternatively fill in the form and we'll call you back.

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E: enquiries@mortgagesandinsurers.co.uk
P: 020 8364 3444

Give us a call or fill in the form and one of our experienced advisers will be in touch to provide you with an initial fee free discussion in relation to your mortgage or insurance needs. 

We are open from 9:30 am — 6pm week days.

Some buy-to-let mortgages and commercial mortgages are not regulated by the Financial Conduct Authority.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Your home/property may be repossessed if you do not keep up repayments on your mortgage.