Buy-to-let mortgages are used to buy property, which is then let out for a monthly rental charge used to cover the mortgage.
Mortgage providers view buy-to-let mortgages as riskier than standard mortgages due to potential issues with occupancy and rent collection. Because of this, you’ll need to pay a bigger deposit, with a higher rate of interest. There are also a range of rules and regulations that will need to be considered.
Getting a buy-to-let mortgage is slightly harder than applying for a residential mortgage. You must:
Becoming a buy-to-let landlord can be profitable. However, there are additional fees that you’ll need to factor in, such as:
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