Buy to Let
Expert buy-to-Let mortgage advice
Investing in property can be a great way to supplement your income or build wealth over time. At CrowNEST Mortgages, we specialise in finding the right buy-to-let mortgage for your needs. Whether you're a first-time landlord or managing an extensive property portfolio, we provide the guidance and support you need to make informed decisions.
With access to the whole mortgage market, we conduct a thorough, personalised search to secure the best deal for your circumstances. Our comprehensive advice helps you navigate the complexities of buy-to-let investments with confidence.
Check out our guide, Buying in a personal name vs an SPV.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.
FAQs
What is buy-to-let mortgage?
A buy-to-let (BTL) mortgage is a type of loan designed specifically for landlords who purchase properties to rent out. Unlike residential mortgages, BTL mortgages have different eligibility criteria, interest rates, and deposit requirements. Instead of being assessed mainly on your salary, lenders look closely at the expected rental income from the property to decide how much you can borrow.
Is the buy-to-let rental income I receive taxable?
Rental income from personally owned buy-to-let properties is treated as personal income for tax purposes. The tax treatment of mortgage interest differs from that of limited company ownership.
Tax treatment depends on individual circumstances and may change in future, so independent tax advice should always be sought.
How much deposit do I need?
Typically, the minimum deposit for a buy-to-let mortgage starts at 20%, but the most common figure is 25%. You may get 15% deals very rarely, and only with higher interest rates or strict lending rules.
Can I get a buy-to-let mortgage as a first time buyer?
Yes, some lenders require you to be a homeowner first, but others will lend to first-time landlords who don’t own a residential property.
Contact us
Contact us today for all your mortgage needs
Ready to take the next step?
Schedule a free, no-obligation chat to discuss your plans and explore what is possible, with no pressure to proceed.
Office: 01274 265571
alfie@crownestmortgages.co.uk
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