Mortgage Advice

Buy to let

Introduction

Investing in property

Buy to let is when you purchase a property with the intention of renting it out to tenants. The aim is to generate rental income and potentially earn capital gains. Buy to let mortgages are used to finance the purchase and require a larger deposit and higher interest rates than traditional mortgages. As a landlord you are responsible for managing the property, finding tenants, and ensuring it meets legal and safety standards. Buy to let can be profitable but requires expertise and careful consideration of factors such as rental market trends and potential risks.

Potential to grow your wealth for you – and loved ones – to enjoy

Historically property has always gained in value but this is not guranteed

Our Process

Your journey

Speak to an adviser

One of our financial advisers will contact you using your preferred method of contact to discuss your financial financial objectives and current circumstances.

Find a plan that works for you

Our advisers will take into consideration the financial goals and objectives that are most important to you and offer advice in meeting these goals and objectives.

Begin your journey

Now you're on the road to financial freedom. Your adviser will continue to support you throughout your journey with us, putting your needs at the forefront of every decision.

Considerations

Making an informed decision.

Benefits

Considerations

The main benefit of buy to let is the potential to generate rental income, which can provide a regular and relatively stable source of passive income.

Property prices have historically tended to increase over the long term, so buy to let can offer the potential for capital appreciation and potential profit when the property is sold.

Property investment can provide diversification benefits for investors, as it is a separate asset class from stocks, bonds, and other traditional investments.

As a landlord, you have control over your investment property, including the ability to make improvements or raise rents to increase income.

Landlords may be able to take advantage of certain tax deductions, such as mortgage interest and maintenance costs.

Like all investments, property prices can go down as well as up, so there is the risk of losing money if the property value depreciates or if you are unable to find tenants to generate rental income.

Being a landlord can be a demanding and time-consuming role, requiring you to manage the property, deal with tenants, and handle maintenance and repair issues.

Owning a rental property comes with various expenses, such as mortgage payments, insurance, property taxes, maintenance costs, and property management fees, which can eat into your rental income.

As a landlord, you must comply with various regulations and legal obligations, such as providing safe and habitable living conditions for tenants and following eviction procedures.

Property investments are relatively illiquid compared to other types of investments, meaning that it can be more difficult to sell your property quickly if you need to access your funds.

Get in touch

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Important Information

It is important to understand the risk associated with any form of financial product as well as the fees involved.

Risk Warning

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

Our Fees

A fee of £795 when you apply for an equity release product, we will also be paid a commission from the lifetime mortgage lender / home reversion plan provider.

A fee of £145 when you apply for a mortgage product switch or mortgage transfer, we will also be paid a commission from the lender.

A fee of £395 when you apply for a mortgage purchase or re-mortgage, we will also be paid a commission from the lender.