Buy to Let Mortgages for Property Investors
Unique Property Finance are dynamic specialist buy to let mortgage brokers and have access to exclusive products.
Our mortgage sourcing systems are updated daily and allow us to compare thousands of buy to let mortgages in no time. Unique Property Finance will then select the best buy to let mortgage to suit your individual circumstances. Unique Property Finance are experts in all types of complex BTL scenarios such as Ltd Co BTL, HMO, Multi Unit and Portfolio BTL mortgages. We have a proven track record at providing solutions for our large portfolio of property professionals.
Unique Property Finance aims to give you a mortgage decision in principal within 24 hours or less if possible, after a full assessment of your needs. Our links to lenders online portals provides a swift decision making process, enabling you to plan and be in the know sooner.
At Unique Property Finance we are committed to the highest level of customer service and speed which gives us the edge on most of our competitors. From your initial contact you will deal with a qualified consultant who will guide you through every step of your buy to let mortgage.Speak to a broKer
Our mortgage brokers and account managers have worked in the sector for over 20 years and in this time have been successful in finding solutions to a wide range of buy to let scenarios.
We offer a personal service, and provide each client with a dedicated buy to let mortgage broker who ensures you fully understand the financial product you are selecting and makes sure the process is as simple as possible.
More about Buy to Let
These mortgages were created specifically for those individuals who want to buy a property for the sole purpose of letting it out. Although they are similar to other mortgages, there will usually be other conditions attached. The lender will accept a lower loan to value and may also specify requirements regarding length of letting terms and minimal rental income as a percentage of the property value. Most lenders will also require you to have an income to cover periods of rental voids. Through our expertise we can source lenders where no minimum income is required and where the products also come with competitive rates and low fees, subject to status.
Not all high street lenders will be interested in helping you obtain a “buy to let” mortgage. Unique Property Finance can advise you on several schemes available from top lending sources, and at competitive interest rates.
When deciding how much you can borrow, most lenders will consider the rent you will earn, as well as your own income. As a general guide, bearing in mind the semi-commercial nature of this type of loan, lenders will normally lend 75%-85% of the property valuation. It may also be possible to raise some or all of the deposit needed by considering a remortgage on an existing property.