Buy To Let

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Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio you will need to take out a buy to let mortgage rather than a standard residential mortgage. A buy to let mortgage is specifically for people who are buying a property to rent out to a tenant or tenants.

How do buy to let mortgages differ from residential mortgages? :

  • Interest rates are usually higher on buy to let mortgages compared to residential
  • Whereas for residential mortgages your deposit could be as little as 5% of the property value you will have to pay at least 25% for a buy to let mortgage.
  • Unlike a standard mortgage, where the amount you can borrow is linked to your income, with a buy to let mortgage, the lender will instead look at how much rent you could make from the property on which the mortgage is secured. 

We can help you arrange a bespoke buy to let solution that’s tailored to you. Call our expert team today to find out more.

Buying to let?

Get a mortgage quote for your new mortage

Fill in the form below and one of our mortgage experts will call you to discuss your requirements and find the best deal for you.

Why use us for your buy to let mortgage?

  • Access to the Whole of Market
  • Your own Buy to Let mortgage advisor from start to finish
  • We will take the hassle out of the whole process

The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages.

My Buy to Let – What if?

Whilst there are strong advantages to building a Buy To Let portfolio or even just having one Buy To Let property, the Buy To Let investor needs to be aware of potential issues and should ask themselves the following questions.

What would happen if I was unable to rent my property for a period of time?
Would I be able to maintain the repayments on the mortgage without any rental income?

The other factor that we tend to ignore is that as well as the benefits of rising property values. They may also decrease over time.


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Why Choose AMAC Mortages?

Call AMAC today and let us take the stress whilst saving you time and money

We search thousands of mortgages to find the one that's right for you.