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This is where you arrange a mortgage on a property that you intend to rent out. With these types of mortgages you typically have to put down a deposit of 25% and the remaining 75% is provided by a buy to let mortgage. The amount you can borrow as a mortgage typically depends upon the rental income you are likely to receive, however some lenders do allow you to factor in your own income if the rental income is short - In this situation a full income and expenditure review would be required to ensure you had a suitable disposable income.
A remortgage would typically take 4-6 weeks to complete, however buying a property may take longer as you have to wait until the seller is ready to move. The key with a smooth mortgage application is to ensure all the relevant documents are provided to the mortgage broker and the conveyancer when requested.
This depends upon may factors, for example, how much of a deposit do you have, when was the bad credit was registered, have you since satisfied the bad credit and what type of debt was the bad credit registered on (credit cards, loans or mortgage). This is a more complex area. Firstly you should get a copy of your credit report from a credit agency such as Experian, Equifax or Check My File and then discuss your options with an experienced mortgage broker in this area.

Buy to Let Mortgages

Buy to let mortgages are specifically for when you want to buy a property to rent out to a 3rd party. Highly popular recently, professional landlords used buy to lets to enable them to build a property portfolio of rented properties that gave them an income stream whilst enjoying the appreciating price of the property itself. With low interest rates offering next to no return on capital, combined with many people unable to get on the housing ladder for a variety of reasons, renting has become more popular than ever and buy to let mortgages have seen a huge increase over recent years.

If you are considering becoming a landlord you will need a buy to let mortgage and there are certain things that you should consider before jumping in. Often for example you ill need to pay a larger deposit as security, often around the 25% level, although some buy to let mortgage lenders need a 40% deposit to secure the very best interest rates. Interest rates tend to be a little higher, but a buy to let mortgage is very similar to a standard mortgage in that each application is individually assessed, so better deals can be available depending on personal circumstances.

The next thing to consider when looking at buy to let mortgages is the rental income versus the mortgage repayments. Most lenders will want to see a 125% annual rental income over mortgage repayment. So if your annual buy to let mortgage repayment is £10,000 your lender will want to see an annual rental income yield over £12,500. There are also, on occasions a requirement for a "buffer" payment to cover short periods between tenants and subsequent loss of rental income.

There are a choice of buy to let mortgages available and most are interest only. This means that you pay the interest on the loan but are not paying back the loan capital. The monthly loan repayment is less than a standard repayment mortgage and an element of the mortgage interest can be offset against personal income tax. However provision has to be made to repay the loan amount n full at the end of the buy to let mortgage period.

Needless to say, if considering a buy to let mortgage ensure that you have sufficient funds to cover any periods when a tenant may not be in the property paying rent, and consider also maintenance and repair bills that will inevitably occur.

Here is some additional information on related topics from our blog:

Buy to Let Considerations - Ltd Company vs. Individual Name

Investing In the Housing Market or FTSE: Which is Better?

Buy to Let Affordability Changes

Where To Invest Your Money

Stamp Duty Changes



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