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Buy To Let Mortgages

Over recent years many people have turned their backs on the stock market, preferring to invest their money in property in the hope it will bring them the financial security required for their retirement.

When buying a property to rent, the mortgage is possibly the most critical factor. You cannot take out a typical residential mortgage. However, most banks and building societies offer buy-to-let mortgages specifically for Landlords.

A buy-to-let mortgage is comparable in most ways to a residential mortgage. However, there are some differences. Firstly, the interest rate is typically higher. You will also require a larger deposit on a buy-to-let mortgage – a minimum of 25% is usual, although many of the most competitive mortgages demand 40% plus.

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Tax Changes

In April 2016 the Government introduced a 3% stamp duty surcharge which is applied when people purchase additional residential property. Then in April 2017, the Government started to phase in more stringent income tax treatment of buy-to-let investment for high rate taxpayers.

As a result of these changes, the upfront purchase costs have increased, and potential financial returns of buy-to-let investment have reduced. These changes would need to be factored in when deciding if buy-to-let investment is the right choice for you.

The Table Below Shows Some of Our Current Buy to Let Mortgage Offers


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