Non-Fee Charging
Buy to let mortgages
Whether you are a portfolio landlord with multiple properties or stepping into the world of investment properties, we are here to assist. There are many different ways to purchase an investment property and here at Denyer Hill, we will guide and advise on the best approach. From purchasing a property in your sole name, joint names or via newly set up Ltd Co, we can assist with all types of finance in this space.
Given that buy to let properties are an investment income, you will need to seek independent Tax Advice on the income received. We can put you in touch with some tax advisers if you do not have your own.
What is a buy-to-let mortgage?
A buy-to-let mortgage is a type of mortgage that is designed to help you buy a property to rent out to tenants. Buy-to-let mortgages are different from residential mortgages because they have different eligibility criteria, interest rates, and terms.
Interest rates on buy-to-let mortgages are typically higher than interest rates on residential mortgages. This is because buy-to-let mortgages are considered to be riskier, as there is a chance that you may not be able to find tenants to rent your property.
If you are considering buying a property to rent out, you should speak to a qualified mortgage adviser to find out more about buy-to-let mortgages.
Some types of buy to let mortgages are not regulated by the FCA.
How to get a buy-to-let mortgage
B-t-l mortgages can be a great way to generate income from your property. However, they can also be a bit more complicated to get than a residential mortgage.
To get a b-t-l mortgage, you will need to speak to a qualified mortgage adviser, such as Denyer Hill. We will be able to help you assess your eligibility and find the best deal for your needs.
The process of getting a b-t-l mortgage can take several weeks, so it is important to be patient. However, with the help of a qualified mortgage adviser, you can make the process as smooth as possible.
Buy-to-let mortgage rates and terms
The interest rates and terms of b-t-l mortgages vary depending on a number of factors, such as the lender, the property, and the borrower’s financial situation.
In general, b-t-l mortgage rates are higher than residential mortgage rates. This is because b-t-l mortgages are considered to be riskier, as there is a chance that the borrower may not be able to find tenants to rent the property.
To get the best b-t-l mortgage rates and terms, it is important to shop around and compare offers from different lenders. You should also speak to a qualified mortgage adviser, such as Denyer Hill, who can help you find the right mortgage for your needs.
Why choose Denyer Hill
Experience
Benefit from our 80 years of combined industry experience. Our team holds qualifications such as CeMAP and operates under FCA regulation, ensuring expertise in mortgage financing. With over 6000 mortgages secured, trust Denyer Hill to recommend the best option available for you.
Trust
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As non-fee charging advisers our payment is contingent upon securing a mortgage that aligns with your needs. With our whole-of-market approach, we sift through tens of thousands of options to find you the best available mortgage.
Our Promise
We promise to provide clarity, confidence and peace of mind throughout your homebuying journey. Trust our seasoned team to guide you through the mortgage maze with tailored solutions and unwavering support.
We promise to
– Act with integrity
– Act with due skill, care & diligence,
– Act in the best interest of our customer and to treat them fairly
