Looking for a broker that specialises in buy to let? You’re in the right place!
Welcome to The Finance Company, your trusted partner in navigating the world of buy to let mortgages. If you're considering venturing into property investment through buy to let arrangements, you're in the right place. Let us guide you through what buy to let entails, what we offer and how we can help you achieve your property investment goals.
At The Finance Company, we are simplifying finance. We are determine to provide our clients with the best buy to let mortgage for you. We understand that every borrower is different and we tailor every loan to our clients to ensure you get the most appropriate package within the necessary timeframes.
Why choose The Finance Company?
We’re a brokerage that removes the complicated processes of finding finance making it simple for you. Our team of experts approach every enquiry with the same thoroughness to get you the best deal. We have a large panel of lenders who range from high street banks to specialist finance lenders with whom we have relationships to get you the solutions to your finance needs.
What is buy to let?
Buy to let mortgages are a type of mortgage specifically designed for individuals looking to invest in residential properties with the intention of renting them out to tenants. It offers a unique opportunity to generate income and build wealth through property ownership.
What we offer!
At The Finance Company, we specialise in providing tailored buy to let mortgage solutions to investors like you. Our offerings include:
- Competitive mortgage rates tailored to suit your investment strategy
- Flexible repayment options to accommodate your financial goals and cash flow
- Expert advice and guidance throughout the entire mortgage process
- Access to a wide range of buy to let mortgage products from leading lenders in the UK market
How we can help!
Navigating the buy to let market can be daunting, but with The Finance Company by your side, you're not alone. Here's how we can assist you:
- Expertise: Benefit from our in-depth knowledge and experience in the buy to let mortgage sector.
- Personalised solutions: We understand that each investor's needs are unique, which is why we offer personalised mortgage solutions.
- Support: From initial consultation to post-completion assistance, our team is dedicated to providing you with the support you need at every step of the way.
Start your investment journey today
Ready to take the leap into buy to let investment? Partner with The Finance Company and unlock the potential of property investment. Reach out to us to discuss your goals, explore your options, and embark on your journey to building a successful property portfolio.
Frequently asked questions:
Eligibility criteria includes:
- Have a good credit history
- Meet the lender's minimum income requirements
- Provide a deposit typically ranging from 20% to 40% of the property's value
- Demonstrate that the rental income will cover the mortgage payments
The amount you can borrow with a buy-to-let mortgage depends on various factors, including the rental income potential of the property and your personal financial circumstances. Lenders typically assess your affordability based on the expected rental income, your existing financial commitments, and your credit history.
While buy to let investment can be lucrative, it's important to be aware of potential risks, such as:
Void periods: Periods when the property is vacant and generating no rental income.
Property maintenance costs: Repairs and maintenance expenses can impact your profitability.
Changes in interest rates: Fluctuations in interest rates can affect mortgage repayments and profitability.
Property maintenance costs: As a landlord, you are responsible for maintaining the property and making any necessary repairs. Regular wear and tear, as well as damages caused by tenants, can lead to unexpected maintenance costs that eat into profits.
Management responsibilities: Managing a rental property takes time and effort. You may need to handle tasks like screening tenants, collecting rent, addressing complaints, and overseeing maintenance issues. Hiring a property manager adds another expense.
Liquidity challenges: Property can't be quickly bought and sold like stocks or bonds. This illiquidity makes it more difficult to access your capital if you have unexpected needs.
Changes in regulations: New laws around landlords and tenants, safety standards, allowed rents, etc. could negatively impact returns.
A broker acts as the middleman between the borrower and the lender to facilitate a transaction. With the expertise of the broker, they are able to discuss, negotiate and source the best deal for the borrower. The Finance Company is simplifying finance.
Contact us
Talk to a member of the team now.
Simply get in touch using the details below.
Or, complete our quick online enquiry form to receive a callback.
Phone: 0800 031 8829
Email: [email protected]