Buy To Let Mortgage Services

My name is Vivienne Connery I have been investing in property since 1985, when I was just 19 years old. My very first property was bought as a home and I paid £18,000 for a 2 bedroom terrace house in Merseyside. Within 3 years it had almost doubled in value!.  I sold the property for £34,000 in 1988!

Times have changed a little since then. We have had to contend with the credit crunch which brought some major challenges to landlords (including me)!

Apart from being a landlord I am also a qualified mortgage broker with a big focus on helping and assiting other landlords who want or need some help with their mortgages and remortgages. If you already have a mortgage broker and are happy with their service then that's fine with me.

If you don't have a mortgage broker or simply want to try us out for your next property deal then please feel free to contact me or my small team - We would love to hear from you.

May be I will see you at one of the local or national buy to let property events. In the meantime here are a few helpful hints... Before I forget, I have also put togther a Buy To Let Mortgage Guide which is free to anyone who wants one - All you need to do is fill in our On-Line mortgage quotes (there is no obligation on your part) and we will send you the guide via email.

Some Key Pointers for Buy To Let Mortgages

• Know your credit score and repair if not a high score
• In general, the lender requires the rental income to cover 125% - 150% of the mortgage interest
• A few lenders now require you to provide evidence of personal income
• Some lenders require your personal income to be a minimum of £25,000, for self employed that is £25,000 net profit
• Some lenders will take personal income into consideration if rental income is not sufficient
• There are only a very few lenders that will now accept gifted deposits and builders’ discounts
• The maximum loan to value is generally 75%
• The property and rental valuation is key to a successful Buy to Let Mortgage application
• The term of Buy to Let Mortgage can be between 5 and 40 years
• The minimum age to obtain a Buy to Let mortgage is 18 and a very small number of lenders have no maximum age
• The majority of lenders prefer to lend to applicants aged between 21 and 75
• Property and tenant type affects borrowing options
• Limited Company Buy to Let Mortgages are still available
• Click here to Get Started Now

Buy To Let Mortgages - Other Quick Points

You are about to make a big financial investment and we think you should be aware of these questions before reaching a decision

This is all about investing and is a business decision. You are not about to live in the property so you need to be as practical as possible.