Over the past 10 years buying property to let has become big business in Britain. Low interest rates coupled with attractive rental incomes made this a suitable alternative to many other, more traditional forms of Investment.
However the recent ‘credit crunch’ has made investment in buy-to-let properties a much tougher prospect than it once was.
To ensure you don’t encounter some of the pitfalls, our advisers will work with you through every step of the buy to let mortgage process, and will help you select the most suitable buy to let mortgage for your circumstances.
Investors with larger property portfolios are also supported through our links with a range of specialist buy to let portfolio providers.
Obtaining the most suitable mortgage product can help make your buy to let purchase a more relaxing and financially rewarding experience.
We use sophisticated mortgage sourcing products, combined with a full appreciation of our clients requirements and current market conditions. We provide mortgage solutions from the whole of the market. This includes both ‘Intermediary’ and ‘direct to lender’ deals.
Some Buy to Let Mortgages are not regulated by the FCA
Due to changes bought about in the Budgets of 2015 & 2016 one of the biggest considerations now for any BTL purchase is whether it should be owned in your personal name or that of a Limited Company.
Another consideration for those with existing BTL properties, owned personally, is whether to transfer this into a Limited Company.
These questions together with recent changes to the taxation of BTL income and Capital Gains Tax should be discussed with a qualified Tax Adviser or Accountant before making any important decisions.
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it. Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority. Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.
Unit B, Berwick House
Dittons Business Park
Dittons Road, Polegate
East Sussex BN26 6HY
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S H Mortgage Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority.
FCA number 460421 | Registered Office : 165 – 167 High Street, Rayleigh, Essex, SS6 7QA
The guidance and or advice contained within this website is subject to the UK regulatory regime, and it is therefore targeted at consumers based in the UK.
