Buy-To-Let Mortgages

Buy to Let Mortgage

A Buy-To-Let Mortgage (BTL) is a specialist mortgage product designed for landlords to purchase an additional property to rent it out.

Our Buy-To-Let Mortgages are designed for first time landlords or those looking to further extend their property portfolio.

Who can get a buy-to-let mortgage?

Typically, Employed, UK residents aged 18 to 75 with at least a 25% deposit could look to obtain a Buy-To-Let Mortgage.

The rules around Buy-To-Let Mortgages differ from those around regular residential mortgages with an emphasis on the rental income being at least 125% of the monthly mortgage payment.

If you’re investing in property with the intention to rent out the house or flat, you will need a Buy-To-Let Mortgage.

Looking to get into property lettings?

Here at Thomas & Co we have helped hundreds of people secure Buy-To-Let Mortgages which has helped them diversify and profit from buying and renting out a property.

Often house prices do outperform inflation in the long-term, so often becoming a Landlord can prove a great investment.

How much deposit do I need for a rental mortgage?

The minimum deposit for a buy-to-let mortgage is usually 25% of the property’s value.

Buy to let advice

Thomas & Co are fully independent and as such are able to give impartial and expert advice to all their customers. We will assess your needs and discuss your options to find the best mortgage product for your needs.

Your home may be repossessed if you do not keep up repayments on your mortgage(s). The Financial Conduct Authority does not regulate some forms of buy to let.

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