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Buy to Let Mortgages

Helping landlords get the right mortgage 

The Buy to Let market is a specialist market and we recognise the needs of the experienced professional investor as well as the new landlord looking to start out.

Mortgage advice you can trust

With a Buy to Let mortgage, you will take out a mortgage on a property that will then be rented out. Like residential mortgages, Buy to Let mortgages are even more perplexing, with each bank or building society having their own definitions and criteria.  Given the ongoing changes within the property market,  Fairview Financial can provide invaluable advice. You may be an experienced landlord looking to purchase through a limited business or you may be a first-time landlord , we can help and advise in all cases.

  • We have whole of market access and work high-street lenders as well as specialist lenders for the Buy to Let market.
  • With our extensive experience in the mortgage industry we will be able to pair you with the most suitable lender and find you a cost-effective deal based on your specific requirements.
  • We will guide and support you through the entire process and liaise with all the parties involved on your behalf: the lender, the estate agents, the solicitors and valuers, whilst always keeping you updated.
  • At Fairview Financial we are committed to honesty, clarity and integrity. Our success depends on your satisfaction and we are proud of the incredible feedback we receive from our clients and our exemplary reputation in the financial sector.

Why choose us?

Whole of market broker

We will research thousands of deals and over 90 lenders to find you the right mortgage

Independent mortgage advice

Our advice is tailored to your circumstances and requirements, always serving your best interests

5 star reviews

We provide honest and unbiased advice and our clients' feedback is a true testimony of that

Local broker

Your dedicated broker will be your point of contact through the entire mortgage process

Main considerations about Buy to Let mortgages 

It is worthwhile being aware of the following main differences between residential mortgages and Buy to Let mortgages:

  Often Buy to Let mortgages are arranged on an interest-only basis. This means that you will not pay off any capital in the monthly repayments and would need to repay the mortgage loan in a lump sum at the end of the mortgage, often by selling the property.

  Interest rates on Buy to Let mortgages are usually a little higher than residential loans. If you purchase through a limited company, rates can be higher again but with potential tax benefits.

  Unlike a lot of residential mortgage rates, you will be required to put down a bigger deposit, usually in the region of 25%. Fairview Financial work with you to find the right rate with the right deposit.

  How much you can borrow will be based on the earning potential and profitability  (i.e. the rental income) and sometimes your earned income. The rent must more than adequately cover the monthly mortgage payments. Every lender has its own unique formula and some will lend more generously. Fairview Financial will help to determine who to use on this basis.

 As a landlord you are taxed differently. You have to pay additional Stamp Duty when you buy your property and income tax on the rental income. Furthermore, when you eventually sell the Buy to Let property, you may have to pay Capital Gains Tax.

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Why use a Buy to Let mortgage broker?

Rental properties can be a great investment, if done properly because they can be a good source of ongoing profit. But if you want to make the most of you investment, it is essential to find the right mortgage and this is where we come in!  So why should you use a broker?

  A broker has access to more mortgage deals. Some lenders do not accept applications directly from applicants and require that you use a broker. We can research your mortgage from the whole of market including specialist Buy to Let lenders.

  The Buy to Let mortgage market is complex and ever-changing, especially if this is your first property venture. We will explain how these mortgages work and support you through the whole process, from research, though application and until you get the keys for your new investment property.A broker has the experience and knowledge to pair you with the right lender, based on your requirements and the lender's specific criteria, saving you time and hassle in the process.

 As with any investment, buying a property does carry risks, so it is important to speak to a broker to make sure you are clear where the pitfalls may lie.


Let's find you the right mortgage

Are you a looking for a Buy to Let mortgage? 

Speak to an adviser now or let us call you back.

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee  is £295 and this is paid when the mortgage is offered.  We do not charge a fee to First-Time Buyers. We may however charge a fee for Shared Ownership mortgages and Help-to-Buy mortgages, due to the complexity of the work involved.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

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