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Buy To Let Mortgages

First 4 Commercial > What We Do > Buy To Let Mortgages

Buy To Let Mortgages

PURCHASE OR REFINANCE LET PROPERTIES

For clients looking to purchase or refinance let properties, by using a whole of market lender panel we are able to offer market leading rates and terms for all our Buy to Let customers.

There have been a number of changes in the buy to let (BTL) sector over the last few years which has made it a minefield for even the most experienced landlords. Using a specialist mortgage broker will be the difference between not only saving you money but also time and invaluable expertise.

There are certain types of buy to let transactions that will be deemed as regulated in the same way as a conventional residential mortgage would be. These are:

Consumer Buy to Let

This is for a property that you only ever intend to use for the purposes of renting out.

Business Buy to Let

This is for a property that you only ever intend to use for the purposes of renting out.

There are a number of other buy to let scenarios available in addition to these two above:

HMO’s – Houses in Multiple Occupation

A house that is let to 5 individual tenants on a room-by-room basis, for example.

Limited Company Buy to Let

A property purchased using a Limited Company as the borrower and the client providing personal guarantees.

Portfolio Landlords

Landlords who own several buy to let properties.

Additional Stamp Duty Land Tax charges for buy to let properties should also be taken into account as at the time of writing is a penalty if 3% on top of the normal tax banding applicable.

Our Services

Need Help?

Please feel free to contact us. We will get back to you within 1-2 business days. Or just call us now on the telephone number below.

01277 620083

info@first4commercial.com

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