Buy To Let

Moving House/Flat
Providing individual mortgage advice; unique to you

Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio you will need to take out a buy to let mortgage rather than a standard residential mortgage. A buy to let mortgage is specifically for people who are buying a property to rent out to tenants.

How do buy to let mortgages differ from residential mortgages?

  • Interest rates are usually higher on buy to let mortgages compared to residential mortgages
  • Whereas for residential mortgages your deposit could be as little as 5% of the property value you will have to pay at least 25% for a buy to let mortgage.
  • Unlike a standard mortgage, where the amount you can borrow is linked to your income, with a buy to let mortgage, the lender will also look at how much rent you could make from the property on which the mortgage is secured. 
We can help you arrange a bespoke buy to let solution that’s tailored to you. Call our expert team today to find out more.

Mortgage Process

Initial Meeting

We would be delighted to meet with you at our offices, or we are just as happy to have an initial consultation over the telephone…whatever suits you best.

Market Analysis

Having considered your personal circumstances and budget, we will provide you with advice and a recommendation regarding the best mortgage options to suit your individual needs.

Mortgage in Principal

We can arrange a mortgage approval in principle to provide you with peace of mind when viewing properties that you are in a position to proceed when you find your dream home.

Finalise Best Deal

We will manage the mortgage application process from start to finish while liaising with your solicitor, to ensure your mortgage is fully approved as quickly as possible.

At Taylor Carmichael we offer our clients highly professional specialist mortgage and protection advice from the UK marketplace.

Customer Testimonials