Buy To Let Mortgages (BTL)

Buy to let mortgages allow you to invest in property with a view to renting them out.  They are usually more expensive than normal mortgages.  Ideally, you should own your own home before making an application.  Income minimums should be in excess of £25K per annum to acquire the best deals. Interest rates tend to be higher on BTL. Deposits are normally set higher at up to 25%. Arrangement fees tend to be higher and Lending is linked to commercial income you can expect to receive for the property.  Most lenders will want to see 30% more income expectation than the monthly mortgage payment. Speak to a West Kirby IFA for more details on how to qualify.

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