{"id":2093,"date":"2014-11-06T18:25:26","date_gmt":"2014-11-06T18:25:26","guid":{"rendered":"https:\/\/www.roxborough.uk.com\/?page_id=2093"},"modified":"2019-11-08T16:01:38","modified_gmt":"2019-11-08T16:01:38","slug":"buy-to-let","status":"publish","type":"page","link":"https:\/\/www.roxborough.uk.com\/mortgages-and-lending\/buy-to-let\/","title":{"rendered":"Buy to Let"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; overlay_strength=&#8221;0.3&#8243; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;]<div class=\"divider-wrap\" data-alignment=\"default\"><div style=\"height: 30px;\" class=\"divider\"><\/div><\/div>[\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; overlay_strength=&#8221;0.3&#8243; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;1\/3&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;][vc_wp_custommenu title=&#8221;Mortgages &amp; Lending&#8221; nav_menu=&#8221;28&#8243; el_class=&#8221;home-posts&#8221;][\/vc_column][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_position=&#8221;all&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_link_target=&#8221;_self&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; width=&#8221;2\/3&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221; bg_image_animation=&#8221;none&#8221;][vc_custom_heading text=&#8221;Buy-to-Let Mortgages&#8221; use_theme_fonts=&#8221;yes&#8221; css=&#8221;.vc_custom_1518176100064{padding-bottom: 20px !important;}&#8221;][vc_column_text]\n<p style=\"text-align: justify;\">Designed for investors looking to purchase property with the intention of letting out to tenants, Buy-to-Let mortgages have become more and more popular due to the high returns many landlords are known to achieve alongside the capital appreciation of the asset.<\/p>\n<p style=\"text-align: justify;\">Buy-to-Let mortgage products are very different from what you may have previously dealt with on your residential property. For this reason it is financially prudent to select the right Buy-to-Let mortgage that will help achieve your financial objectives.<\/p>\n<p style=\"text-align: justify;\">So whether you are looking to purchase your first buy to let property, remortgage an existing one, release capital or looking for a let to buy mortgage, we can compare what is available in the market and source the best overall finance solution.<\/p>\n<p style=\"text-align: justify;\">Before approving your buy-to-let mortgage, your lender will be looking for:<\/p>\n<ul style=\"text-align: justify;\">\n<li>The property\u2019s deposit typically 15-25% of its value<\/li>\n<li>Expected rental income in excess of your mortgage repayments<\/li>\n<\/ul>\n<p>Due to the increasing complex nature and Prudential Regulation Authority rule changes, it is prudent to seek specialist buy to let advice before agreeing a property purchase.<\/p>\n<p><strong>HMO Mortgages<\/strong><\/p>\n<p>A House of Multiple Occupancy is a specialist class where a single property is subdivided into separate bedrooms, then each individual bedroom is rented out to different tenants who may share common areas such as kitchens and bathrooms.<\/p>\n<p><strong>Portfolio Landlords<\/strong><\/p>\n<p>According to the Prudential Regulation Authority (PRA), a landlord is considered to be a portfolio landlord where they have four or more mortgaged buy to let properties across all lenders in total.<\/p>\n<p style=\"text-align: justify;\">For a complimentary, no obligation discussion with our experienced buy-to-let mortgage specialist, contact us today on <strong>01932 825233<\/strong>, or email<a href=\"mailto:info@roxborough.uk.com\"> info@roxborough.uk.com<\/a>.<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; 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