Buy To Let

Build your buy-to-let portfolio with us!

Your home may be repossessed if you do not keep up repayments on your mortgage.

Buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Buying To Let

A buy-to-let mortgage is potentially one of the most exciting mortgages you will ever take out.

We’ve helped build fantastic portfolios for many successful landlords, transforming their financial position. We can help you get started if you are a first-time landlord, or help you grow and make the most of your existing portfolio if you are an existing landlord.

Speak to one of our team of Financial Advisors today, and you’ll be secure in the knowledge you’ll be receiving the very best of advice available.

How much can I borrow?

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Discovery meeting – an initial consultation

This meeting allows both parties to get to know each other in a stress-free, no commitment environment. We explain how we work and discuss our services and fees with you. We also identify your personal needs and objectives. If we reach mutual agreement on working together we can quickly move on to the next stage.

Guide to Buy-to-Let

Making a buy-to-let venture work for you can depend greatly on the mortgage deal you choose. Here at HLC, our Chartered Financial Advisors will give you impartial advice regarding today’s market and all the options it offers.

Although a buy-to-let mortgage is similar to the standard residential home mortgage, it’s important to understand the differences between these loans. Our advisors will be happy to discuss the variations with you and will help you understand all there is to know about a buy-to-let mortgage.

What is required?

Generally, buy-to-let mortgages do require a larger deposit than a regular mortgage (usually at least 25%). You’ll need to be able to prove to the lender that the rent you will achieve on the property will cover your interest payments on the mortgage by at least 125%. This allows for those times when the property may remain empty or require maintenance. You will also be required to have money set aside for arrangement fees (this can be as much as £2,000).

The benefits of buy-to-let

The benefits of purchasing a buy-to-let property offers the alluring appeal of receiving rental income. Additionally, there is the possibility of future equity should the property value increase over time. 

Potentially, the right investment could return a gross of between 5% and 10%. This is far greater than any savings account could achieve in the current market. However, it’s important to consider the risks attached.

Notably, the cost of rental properties has exponentially risen since property prices have generally been rising on a yearly basis, making it increasingly difficult for first-time buyers to step onto the property ladder. So, it’s fair to say property is generally considered a safe investment. Acting while the market is secure is the key for a successful buy-to-let deal.