Buy to Let Mortgages2018-08-01T13:23:05+00:00

Buy to Let Mortgages

Providing individual service to those looking for buy to let mortgages

How we can help with buy to let mortgages

There has been significant changes to the buy to let market over the past few years so planning ahead is more important than ever. Lenders have tightened lending criteria and recent tax changes have had consequences for higher rate tax payers.

One of the real positives is where there is change, there is opportunity so more lenders are entering the buy to let market and more innovation is taking place, so whether you’re a first time landlord or portfolio landlord we have the expertise to assist.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

What buy to let mortgage options do I have?

Tax planning

This is the key decision to starting and building a buy to let portfolio, for example, do I buy in my personal name or in a limited company. The importance of tax advice cannot be underestimated, making the wrong decision could have serious implications and whilst we cannot provide tax advice, we can refer you to specialists, Landlord Support Services, who offer a tax structure advisory service for landlords via a panel of professional experts.

First time landlords

Given you’re a first time investor we can help with the level of borrowing available based on the likely level of rental income, where there are shortfalls in rent can these be plugged from your own disposable income. Not every lender will lend to a first time landlord and whilst we cannot provide tax advice, we will outline the tax implications.

Buying through a limited company

Most lenders lending to limited companies are intermediary only lenders and the pool of lenders is small but more lenders are expected to start entering this market following recent taxation changes, so given our excellent relationships with specialist buy to let lenders we are in a prime position to help.

Portfolio landlords

A portfolio landlord owns four or more mortgaged buy to let properties in the UK and is subject to stringent assessment. Due to the workload involved some lenders have decided against lending to portfolio landlords, it’s time consuming work which we are well placed to assist with.

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We offer advice on a wide range of mortgage and home insurance products designed to meet your needs

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Protecting Yourself

Your home may be repossessed if you do not keep up repayments on a mortgage.

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Chapelgate Private Finance is a trade name of Chapelgate Associates Ltd which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Chapelgate Associates Ltd is a company registered in England and Wales 05539901 whose registered office is situated at 192 West End Lane, London, NW6 1SG