Buy-to-Let & Let-to-Buy
No-Fee advice for new and seasoned property investors
Becoming a private landlord shouldn't just be seen as a way to make money easily. It can be riskier and more complicated than it first appears. It can also be time consuming and there is no guarantee that house prices will rise, you will always have paying tenants or the means to cover the mortgage payments. Having said that, having property to let out in return for a rental income can reap considerable financial rewards over time. We can offer advice, recommendations and have links to letting agents across the UK to help manage your rental property.
What are the main differences?
Rental Income Model
Lending decisions are normally based on the expected or actual rental income rather than just earned income.
Buy-to-let mortgages tend to have higher interest rates.
You will need a larger deposit to secure a mortgage. Typically 20-25% as a minimum.
Your Tax Position...
Owning and renting out property does impact on your taxation position. We can help you find and secure the right mortgage for your buy-to-let property, but we strongly recommend that you also seek independent tax advice. Rental income, mortgage repayments, non-property related earnings, any benefits you receive as well as whether the property is held solely, jointly or in a company all impact your tax position. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen
Download our free Buy-to-Let factsheet here
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Think carefully before securing other debts against your property. Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the financial conduct authority.