Buy-to-Let Mortgages

Investing in your future

If you are looking to invest in a single property or already own an existing property portfolio, this would be the mortgage solution to consider.

At Henry Dannell, we can support your future property investments by understanding your circumstances and desired outcome, to source the most suitable solutions the market has to offer.

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Disclaimer

Please note: this is a long term investment which you hope will generate rental income along the way and a profit when you sell the property, but bear in mind that if you need access to some cash, a property can take time to sell or remortgage. If house prices fall, you might not be able to sell for as much as you had hoped. You would have to make up the difference if the property sold for less than you owe – a risk that increases, the higher the percentage you borrow. If you sell for a profit, you may have to pay capital gains tax. Don’t forget that with a variable rate mortgage, your costs will rise if interest rates go up. This would eat into, or even wipe out, your income and profit. It is recommended that you also maintain access to emergency funds to cover your mortgage payments during ‘void periods’ that may arise whilst you have no tenant and the property is not let.

What does a lender consider when approving a buy-to-let mortgage?

Within this sector of the market, criteria for different lenders vary. Some lenders may calculate borrowing capacity solely on the projected rental income, whilst others may consider rental income and excess-earned income. Lenders may also take into account your background, to consider if you are an experienced Landlord, as well as your wealth position.

As experienced brokers, and with our whole of market access to lenders, we will take the time to understand your position to determine the best lender for you.

UK Residential Mortgage Guide

Disclaimer

Please note: a mortgage is secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. The Financial Conduct Authority does not regulate most forms of buy-to-let mortgages.

Should I purchase in my personal name or create a Limited Company?

Purchasing a property in a Limited Company is typically the preferred way to hold an investment, as opposed to purchasing in your personal name, certainly if you have a large property portfolio. There are also tax benefits to holding an investment property in a Limited Company. However, we would advise seeking the support of a certified accountant or tax adviser to better understand these tax implications. This is a complex area where it is highly recommended that you seek independent specialist tax advice.

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Disclaimer

Please note: a mortgage is secured against your property. Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. The Financial Conduct Authority does not regulate most forms of buy-to-let mortgages. Please also note: tax treatment is based on individual circumstances and may be subject to change in the future. The Financial Conduct Authority does not regulate tax planning.

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