Menu
Whether you’re at the beginning of your journey to develop your property portfolio or you’re a seasoned investor our expert knowledge in specialist buy to let mortgages means that your portfolio can meet your financial ambitions.
With years of experience in the financial and property markets, our team of experts possesses a unique blend of knowledge and insight, specifically tailored to meet the needs of seasoned property investors and those just beginning their journey. We understand that securing the right buy-to-let mortgage is not merely a transaction but a strategic move that can shape your financial future.
Our commitment is to guide you through the intricacies of the specialist buy to let mortgage landscape, providing solutions that align with your investment goals. Whether you are seeking finance for your first rental property, expanding your existing portfolio, or looking to optimise your current mortgage arrangements, our dedicated specialists are here to support you.
Engaging a specialist buy-to-let mortgage broker offers distinct advantages for property investors seeking optimal financing solutions. At Liddle Perrett our experts possess the in-depth understanding of the complex and evolving buy-to-let market, ensuring that you can access exclusive deals and competitive interest rates that may not be readily available elsewhere. By leveraging their extensive Primis lender network, we can tailor mortgage options to suit your individual portfolio requirements, streamlining the application process and saving time and money.
Our team can provide valuable insights into market trends, ensuring that you, as an investor, can make informed decisions that align with your long-term goals. In a competitive real estate landscape, the expertise of a specialist buy-to-let mortgage broker is an invaluable asset for maximising returns and minimising risk.
For new buy-to-let investors, a specialist buy-to-let mortgage broker is a crucial ally in navigating the complex world of property investment.
Our experts offer tailored guidance, ensuring that new investors make informed decisions from the start. our team possesses the knowledge to match investors with lenders who understand the unique needs of new investors, often securing more favourable terms and lower interest rates. Our team will simplify the application process, saving time and reducing the risk of rejection.
Their insights into market trends and regulatory changes help new investors build a solid foundation, maximizing rental income and long-term profitability. Working with the specialist brokers in our team can be the key to a successful debut in the buy-to-let market.
Utilizing a limited company structure for buy-to-let investments offers several advantages. Firstly, it can provide tax benefits, as rental income and capital gains may be subject to lower corporate tax rates compared to personal income tax.
Secondly, it enhances asset protection, shielding personal assets from potential financial risks associated with the properties. Additionally, a limited company can simplify inheritance planning and facilitate the transfer of assets to heirs. Moreover, it allows for greater flexibility in financing and managing properties, enabling efficient reinvestment of profits into the portfolio.
Overall, a limited company structure can optimize tax efficiency, protect personal wealth, and streamline management for buy-to-let investors.
Property Ownership: You must be at least 18 years old and have legal ownership of the property or properties you intend to purchase or refinance.
2. Adequate Deposit: Lenders typically require a minimum deposit of 20% to 25% of the property’s purchase price, although higher deposits can lead to better mortgage terms.
3. Rental Income: Lenders assess your ability to cover mortgage payments through rental income. A property’s rental income should typically be 125-145% of the mortgage payment.
4. Creditworthiness: A good credit history is essential. Lenders will assess your credit score and financial history to determine your suitability for a buy-to-let mortgage.
5. Affordability: Lenders will evaluate your financial situation to ensure you can afford the mortgage, including your existing financial commitments and other expenses.
6. Property Type: Different lenders may have specific criteria regarding the type of property they finance. Some may not finance certain property types like HMOs (House in Multiple Occupation).
7. Rental Market Research: Lenders may require evidence of market research to show the property’s potential rental income and demand.
8. Experience: Some lenders prefer borrowers with prior landlord experience, though this isn’t always a strict requirement.
9. Legal Residency: You typically need to be a legal resident of the country where you’re applying for the mortgage.
10. Business Structure: If you’re operating as a limited company, partnership, or other business structure, lenders will have specific criteria regarding your business’s financials and structure.
11. Exit Strategy: Lenders may ask about your exit strategy, such as how you plan to repay the mortgage at the end of the term.
12. Property Condition: The property must meet certain standards and be in a habitable condition, adhering to local regulations.
Keep in mind that specific requirements may vary between lenders, and it’s advisable to consult with a specialist buy-to-let mortgage broker or lender for detailed guidance tailored to your individual circumstances.
We will ask you for certain information to progress with your mortgage application. The list below provides you with some insight into the information that lenders will ask for.
You can view our Fact Finder here
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
The information provided on this article was correct at the time of publication (September 2023)
Liddle Perrett Ltd is an appointed representative of PRIMIS Mortgage
Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial
Conduct Authority.
In the dynamic and ever-evolving world of specialist buy to let investment, navigating the complexities of buy-to-let mortgages can be a daunting task. That’s where our specialist buy to let mortgage knowledge comes into its own. We are dedicated to simplifying the process for you, making our experience available to your property portfolio, and maximising your investment potential.
With years of experience in the financial and property markets, our team of experts possesses a unique blend of knowledge and insight, specifically tailored to meet the needs of seasoned property investors and those just beginning their journey. We understand that securing the right specialist buy to let mortgage is not merely a transaction but a strategic move that can shape your financial future.
Our commitment is to guide you through the intricacies of the buy-to-let mortgage landscape, providing practical solutions that align with your investment goals.
At Liddle Perrett, we pride ourselves on our in-depth market knowledge, access to the Primis lender network, and a proven track record of delivering tailored mortgage solutions that maximise returns and minimise risk. We understand that each client is unique, and our approach is always to work to your specific circumstances, aspirations and business goals.
We are your go-to resource for all your specialist buy to let mortgage needs. Take the first step towards financial success in the property market with Liddle Perrett – your dedicated buy-to-let mortgage experts.