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Buy-to-Let Mortgages

Buy-to-let mortgages are for investment properties.

They are available with the same rate types as for residential mortgages as described above. The rates, however tend generally to be higher.

The amount that a lender will offer to lend will depend most commonly on the amount of rent that the property will command as assessed by the valuer appointed by the lender. However, there are lenders who, where there is a shortfall in the rental income, will allow this to be made up from regular income, as long a there is a sufficient amount spare after taking into account existing credit commitments.

**Please Be Aware**: Not all Buy-to-Let Mortgages are regulated by the FCA, if we select a Buy-to-Let mortgage product that is not regulated by the FCA you will be informed of this before we proceed with the mortgage application thereby allowing you to make an informed choice.

You will usually have to put down a minimum of 15% deposit although there are one or two schemes that will accept a little less than this.

Each lender has its own formula for working out how much you can borrow so you should consult Premier Choice as will have each lender’s criteria available.

It is very important to know that not all lenders will lend on all types properties and that the property needs to be in a ‘lettable’ condition for the lender to consider advancing a loan.

IMPORTANT NOTE: Your home may be repossessed if you do not keep up repayments on your mortgage.

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Premier Choice Mortgages is a trading style of The ER Network Ltd which is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgages Planning Limited which are authorised and regulated by the Financial Conduct Authority. The ER Network Ltd are a limited company registered in Scotland. Company Registration number: SC292243. Registered Office: Suite 4.2 Station House 34 St. Enoch Square, Glasgow, G1 4DF.

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