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Buy-to Let Mortgages

Buy-to-Let Mortgages

Buy-to-let mortgages are a key tool for turning real estate into a revenue stream. Ideal for property investors or private landlords, these mortgages are structured around the premise of leasing to tenants, not owner-occupied living.

At Haven, we understand that a successful buy-to-let venture is built on a foundation of strategic financing. Every property, like every investor, has unique needs, so we work to ensure your mortgage fits your financial situation and complements your broader investment strategy.

Buy-to Let Mortgages

Our Buy-to-Let Mortgage Expertise

Landlords Mortgages

Whether you're expanding your portfolio or taking the first step into property letting, we can advise you on pursuing the most flexible and beneficial mortgage, taking into account rental yield, property value appreciation, and occupancy rates.

Consider the Risks

Purchasing extra property as a rental venture carries its complexities and risks, with no assured promise of rising property values or continuous rental earnings. However, we can assist you in making a thoughtful and well-informed decision about securing a Buy-to-Let Mortgage, as the long-term prospects of leasing a second property can be quite beneficial.

Understanding Regulation

Be aware that Commercial Buy-to-Lets are not regulated by the Financial Conduct Authority (FCA). This is because it is classified as a business transaction.

Maximise Your Property Investment

Who Is Eligible for a Buy-to-Let Mortgage?

Buy-to-let mortgages are usually for more experienced property owners who already own property, whether outright or with a mortgage. Lenders will consider your credit history, age, and income from rent and other sources.

How Much Deposit Do I Need?

You’ll likely need a larger deposit for a buy-to-let mortgage compared to a standard residential mortgage – usually around 20-25% of the property’s value, but it can be higher.

Can I Convert My Residential Mortgage Into a Buy-to-Let Mortgage?

Yes, if you plan to rent out your property, you’ll need to switch to a buy-to-let mortgage or get consent to let from your current lender. Haven can guide you through this transition.

Are There Tax Implications?

Rental income is taxable, and there are specific tax rules for landlords regarding allowable expenses and deductions.

Shape Your Financial Future

Contact us now to unlock tailored financial strategies and insights that will propel you towards financial freedom.

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