Buy-to-let mortgages

Buy-to-let mortgages are designed to help landlords buy property to rent out privately.

Most will require a deposit of at least 25% of the property's value, and will insist that the rent you get for the property is equivalent to at least 120% of the mortgage payment you owe the lender each month. Some will also ask that you as a landlord have another stream of income, rather than relying on your tenants' rent.

There are over 30 lenders offering buy-to-let mortgages in the UK, mostly available via professional advisers. The rates charged are higher than those offered on residential mortgages, but not hugely so. Fees, however, can be hefty.

If you would like to speak to an adviser about arranging a buy-to-let mortgage, click here. or visit our calculators to find out how much a buy-to-let mortgage would cost you.

buytolethouse

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Buying furniture from Ikea may be a cheap way of kitting out your rental property, but it could put off potential tenants.

first-time buyer mortgage

Buy-to-let lending soars 46% year-on-year

Gross buy-to-let lending rose by 46% to £1.9bn as 14,300 loans were advanced to landlords in February, figures from the Council of Mortgage Lenders has shown.

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Over 400 mortgage cases sign up for West Brom legal action

More than 400 mortgage cases have joined the legal action against West Bromwich Building Society, with almost £500,000 raised to help fight the case.

house price

Landlords receive over 16k return on rental property

Landlords received an 9.7% annual return in the year to February on an average rental property as prices rose and void periods shrank, figures from LSL revealed.

repossess

UK rental yields reach 18-month high

Rental yields in the UK hit an 18-month high in February, according to a report by property services company Move with Us.

virgin-money-logo

Virgin Money launches 75% LTV buy-to-let range

Virgin Money has increased its maximum buy-to-let loan-to-value to 75% and introduced a range of fixed rate and tracker products starting from 3.35%.

The Bank of England

Gross mortgage lending highest since Q3 2008 - BoE

Gross mortgage advances reached £51.5bn in quarter four last year, the highest amount advanced in a quarter since Q3 2008.

housewithscales

Over half of landlords buy local property

More than half of buy-to-let landlords and property investors live within 10 miles of their rental properties, according to analysis from Countrywide Residential Lettings.

bm-solutions

BM Solutions launches two-year deals up to £250,000

BM Solutions has launched a range of two-year deals offered at up to £250,000 for purchase and remortgage deals.

home4

Thousands of bedroom tax victims fail to pay rent

Two thirds of households affected by the bedroom tax cannot find the money to pay their rent, according to research from the National Housing Federation (NHF).

ladder

Mortgage Trust steps back into 80% buy-to-let lending

Mortgage Trust has launched a range of fixed rate and tracker buy-to-let products at 80% loan-to-value for purchase and remortgage customers.

buytolethouse

Sharp growth in number of thirtysomething tenants

The lack of opportunities for first-time buyers is trapping a greater number of older tenants in the private rental sector, research from Countrywide has found.

Warning sign

Landlords warned against get-rich quick schemes

Buy-to-let landlords have been warned to steer clear of unethical rent-to-rent schemes.

to let

Rent rises narrow North/South divide

Rent increases in the North East, Wales and Yorkshire contrasted with falls in the South East in Q4.

buytolethouse

Landlords buoyant over future of buy-to-let sector

Optimism among buy-to-let landlords remains high despite a resurgent first-time buyer sector.

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