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Buying a Property to Let Out - Buy to Let or Buy to Rent
Soaring house prices, increased demand for rental property and better legal protection for private landlords have made buying a property to let out to tenants an increasingly popular investment option for many people. Low interest rates have made mortgages more affordable, and rental income can look attractive compared with the return on other investments.

GO4 independent brokers offers a wide range of specialist mortgage loans for people interested in buy-to-let.

What is a buy-to-let mortgage?
Buy-to-let mortgages were created for existing homeowners who want to buy a property for the 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 property value.

How can I get a buy-to-let mortgage?
Most High Street lenders will not be interested in helping you obtain a "buy to let" mortgage. GO4 independent brokers however can advise you on several buy to let mortgage schemes available from top lending sources, and at competitive interest rates.

How much can I borrow?
When deciding how much you can borrow, some lenders may take into account 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 only lend 75 or 80% of the property price. It may be possible to raise some or all of the deposit needed by considering a re-mortgage to your existing property.

Will I have to pay a higher mortgage rate?
Buy-to-let mortgages are generally slightly more expensive than ordinary home loans. However, in today's competitive lending market, some excellent deals are available on fixed or discount rates.

Can I get tax relief on a buy-to-let mortgage?
No, but you can offset interest payments on your mortgage against tax on rental income, along with other expenses such as agents' fees and maintenance costs.

As long as you receive the correct advice and assistance, buying a property for renting out is generally a very straightforward process. 

Go4 independent brokers are experts at finding and arranging the BEST possible deals for our clients depending on their personal circumstances from a wide range of lenders. Use our Online Enquiry Form to receive a NO OBLIGATION illustration of the loan solutions that best suit YOUR needs and circumstances.

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•  A mortgage broker does most of the work that a direct lender does and therefore receives a discounted "wholesale" rate from the lenders s/he works with.  GO4 independent brokers will not generally cost more than working with a direct lender.

• Where a loan or mortgage (status or non status) is declined by the intended first lender of choice, or when that lender imposes conditions that are judged to be unworkable, GO4 independent brokers repackage the mortgage or loan file and easily submit the loan or mortgage to another lender within a day or two. 

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Whilst every effort has been made to ensure that the facts here are correct, no liability is accepted for any errors contained herein or for any loss resulting from actions taken. 

Unless stated all loan and mortgage products are intended for people living in the United Kingdom. Specifically: UK non status mortgages, UK commercial mortgages, UK buy to let mortgages, UK remortgages, UK residential mortgages, UK self build mortgages and UK home owner loans.