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Buy To Let Mortgage Advice
Whether you're considering becoming a landlord for the first time, or you're an experienced property professional looking to add to your portfolio, we have a dedicated team of mortgage brokers on hand to help finance your next investment.
YOUR HOME/PROPERTY MAY BE REPOSSESED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THE FCA DOES NOT REGULATE SOME FORMS OF BUY TO LETS
Being a landlord doesn't have to be hard...
Becoming/being a landlord is a job in itself. Let us take care of the financials so you can take care of your properties and tenants. We’ll work with you based upon your circumstances, aspirations and portfolio to find the right buy to let mortgage deal to help raise the finance you need to grow your property portfolio.
Things to consider:
What’s your objective: is it income or capital growth? Do you want to benefit from extra monthly income or are you looking to increase your networth through increases in equity should house values rise. This decision may affect the type of property you purchase and location, along with impacting the right type of mortgage to meet your needs
Deposit: buy to let mortgages typically require a larger deposit than standard residential mortgages. You will generally need a minimum of 20-25% of the purchase price.
Stamp duty: if you already own other property, you will have additional stamp duty to pay.
Other costs:
Tax – we strongly advise you to speak to a tax specialist prior to making a decision on whether to purchase a buy to let property as there may be tax implications to consider. We can put you in touch with trusted tax advisors if you don’t have relationships of your own.
Letting agent’s fees – agents usually take a percentage of the monthly rental income to manage the property for you;
Landlord/buildings insurance;
Upkeep and maintenance costs;
Ground rent/service charges (applicable to leasehold properties);
Legal insurance – provides protection if your tenant’s default on their payments;
Gas/electrical appliances – the cost of maintaining appliances to ensure they are compliant with regulations and ensuring the relevant certificates are in place.
Our Awards
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Best Mortgage Broker (Under 10 Advisers)
What Mortgage Awards
(Highly Commended) -
Best First Time Buyer Mortgage Broker
Personal Finance Awards
(Winner) -
Best Broker Customer Service
Personal Finance Awards
(Highly Commended) -
Best Broker Customer Service
What Mortgage Awards
(Highly Commended) -
Best Mortgage Industry Newcomer
What Mortgage Awards
(Highly Commended)
Looking for advice, or have some questions?
Why choose Belle Maison Mortgages?
At Belle Maison Mortgages we provide expert mortgage advice, protection and insurance advice. We strive always to provide simple, honest advice and our trusted and versatile mortgage and protection advisers will work hard until they find the most appropriate outcome for your personal situation.
We pride ourselves on delivering an excellent service, which is reflected in the fantastic five star reviews our clients regularly leave us. We’ll work with you, on your terms, and are happy to meet remotely via video call, over the phone, or if you prefer a good old fashioned chinwag over a cuppa we’ll come to see you at your home.
Our Reviews
Our clients have lots of good things to say about why they think Belle Maison Mortgages are the “best in the business”. From first time buyers, to buy to let landlords our clients have come to trust the service we provide, comforted that we’re with them every step of the way.
Check out what our clients have to say about us below!
Overall Rating