Specialist buy-to-let finance

Specialist is our specialism. Whether you’re a first time landlord, or buy-to-let is an established part of your portfolio, we’ll connect you to the right answer for your particular situation.

We regularly help individuals, limited companies and SPVs to finance a variety of property types. These include houses with multiple occupation, holiday lets, freehold investment blocks, and semi commercial properties. In every single case, our focus is on keeping it simple, no matter how complicated it may seem, whilst keeping you appraised of the latest developments in this rapidly changing financial field.

Let’s have a chat.

     Speak to us directly on 029 2067 4299

     Email us directly on info@finance-angels.co.uk

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What are buy to let mortgages and how do they work?

A buy-to-let mortgage is similar to a regular homeowner mortgage, however there are some differences.

A buy to let mortgage is for landlords, both as individuals, a limited company or SPV to buy a property with the aim of letting it out.

The basics work just like a regular mortgage, although lender criteria and requirements can be different to a regular homeowner mortgage.

Most landlords opt for an interest only mortgage where repayments just cover the interest. This is due to the payments being lower which in turn increases the profitability of the rental.

At the end of the buy to let mortgage term, you would need to sell the property to repay the full balance.

Deposits for BTL mortgages are generally 25% of the property value although there are options for 20% as well. This is called LTV or Loan to Value. A buy to let mortgage with 75% LTV assumes a deposit of 25%.

Expected rental yields also have a bearing on how much you could borrow. Knowing how much rental income you expect to get will give mortgage companies a much better idea of the amount of risk they're exposed to.

The Finance Angels Customer Commitment

We believe in the power of real people.

We aren’t call centre automatons who tick digital boxes to make decisions. We begin with a friendly conversation about your business goals and how we can help you to achieve them. Then we work outwards from there.

We’re straight down the line.

Though we are a friendly bunch, don’t be fooled into thinking that makes us soft and fuzzy. Our job is to help you – and our approach to that is dogged and rigorous. We are consummate professionals, fully FCA compliant and we’re committed to getting results that make our customers smile. We’ll jump through hoops to help you achieve your aims.

We are skilled.

We know that it isn’t the first word that springs to mind when talking business borrowing. But encyclopaedic knowledge is nothing by itself. Sure, we know the quirks and intricacies of all of the lenders we work with, from major high street banks to niche speciality outfits. But our superpower is to get you the outcome you want, and that’s down to the application of a little flair: knowing who, why and how.