Buy To Let Mortgages

The growth in buy to let ownership has seen the development of sophisticated mortgage products designed to finance multiple property ownership as well as the small property developer.  At Veritas Mortgages we  can provide you with expert guidance through the array of mortgage buy to let products on offer.

Buy to Let Mortgages now differ from what came before by specifically allowing the rental revenue to be considered as income when considering the ability of the buyer to meet the ongoing mortgage payments. Buy to Let mortgages are very similar to standard mortgages for property which the owner will inhabit. The percentage which the buy to let lender is willing to lend is likely to be restricted to 80% of the value of a property but in some instances can be as high as 90%. The term of a buy-to-let mortgage is likely to be somewhere in the region of 5 to 45 years. Interest rates are likely to be higher than a standard mortgage.

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