Buy-to-Let (... and Let-to-Buy & all Other Investment Property Schemes) Buying additional properties for their investment value has been very popular in recent years. Now the market has reached tenant saturation in some area's and in most areas Rental Yield struggles to meet the recently increased interest rates it is vital that any scheme you undertake is tailored to match your requirements. As these products are unregulated it is vital you ensure that you receive quality advice from professional Advisers. Buy-to-let Calculator Mortgage Data: House Value: £ Mortgage Required: £ Rent Yeild: £ Rent Margin:   % Interest Rate Charged:   % Interest Rate Calculation:   % Results: Actual Mortgage Cost (Interest Only): £ Maximum Percentage Advance:   % Maximum Mortgage Payment Rent Justifies: £ Maximum Mortgage Amount Rent Justifies: £ The Market has grown up enormously in within the space of a relatively short term. This emphassises the size of the market. This in itself has brought some challenges for new entrants to the sector. Sometimes it has been too easy which has lured some to make unwise investments. Any property bought for investment has to be fit for purpose, i.e. it has to be attractive to tenants, without undue maintenence obligations, it has to have been bought at a good price to be profitable and it needs to be resaleable, which sets it's future value. The biggest failing of would be new investors is to get emotionally attached to the property, either by replicating own tastes - which are not necessarily those of potential Tenants or untenably manageable causing a maintenance liability, for example a lovely but large garden. Having considered that you have selected the right property we are confidant that we will then be able to facilitate your investment by sourcing a suitable mortgage for you. We are also able to asist with a wide range of investment properties, from holiday properties abroad to holiday homes and cottages here in the UK. From Houses in multiple occupation to Student accomodation. Whatever your needs please call to discuss. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

What is Rental Margin? Mortgage companies often say they will lend up to a certain percentage (Loan to Value (LTV)). However, in the small print lurks reference to a calculation that will commonly restrict the maximum size of loan often way below what you thought you might raise. They will assess the rental yield and put it into a calculation that insists that your mortgage payment is covered by, for example 130% of the rent receivable. Worse still this is often worked out on a nominal interest rate higher than prevailing rate. The devil is in the detail!! Be Aware! To obtain a personalised illustration Click Here