City skyline

Buy To Let mortgages

Buy to Let Mortgages are a great way to improve your landlord portfolio and generate additional income each month. Operating throughout the entire UK, My Mortgage & Protection Experts helps you find the best deals available for your new property.

Get in Touch

See Our Reviews

  • 5* Rated Service
  • Access to 90+ Lenders
  • SUSSED, Our £ Saving App
  • FCA Regulated, Personalised Advice
Help to Buy Mortgages

mortgages

investment property

Being a landlord can be a great way to increase your income or could be used as a longer-term investment. It’s vital to get clear advice from a professional mortgage adviser to ensure that you get the best returns. That’s where we can help. Whether you are starting out as a landlord or already have experience, our Advisors are ready to help.

Taxes

There have been many changes with the way you’re charged tax with investment property transactions, such as Stamp Duty Land Tax (SDLT) and changes to how you can structure the income you generate. We advise you on the details of your mortgage requirements and can put you in touch with tax specialists who can guide you on the most tax efficient way of purchasing a rental property either personally or via a Company.

Get in Touch
Mortgage Amount (The amount you wish to borrow):
Annual Interest (Between 0% - 15%):
Repayment Period (Between 25 - 30 Years):
Contact Us
Monthly Payments: £
Total Payment: £
Total Interest: £
Mortgage Amount (The amount you wish to borrow):
Annual Interest (Between 2% - 5%):
Repayment Period (Between 25 - 30 Years):
Monthly Payments: £
Total Payment: £

mortgage affordability calculator

This calculator allows you to see how your mortgage payments change at different interest rates. You can also see what affect the length of the mortgage and the size of deposit has on your repayments.

Help to Buy Mortgaging

mortgages

buying to let

Unlike a Residential Mortgage, buying to let lenders traditionally calculate how much you can borrow by looking at the property’s value and the expected rental income, although personal income and expenditure is still taken into consideration before being able to make you an offer.

It’s standard practice to build in a buffer too. This allows for hidden costs such as the property sometimes being empty, paying estate agency fees and spending on maintenance. It is calculated by using what’s known as the interest coverage ratio (ICR). The ICR determines the amount the lender would like the rental income to be, to cover the mortgage and other costs.

Portfolio Landlords

You may have already embarked on your journey as a Landlord. If you already own 4 or more properties, or have the ambition to build your portfolio, there are now additional regulatory requirements for lenders to factor into their assessments. MMPE Advisors are experienced in dealing with complex transactions, offering a service whereby we proactively manage the Mortgages to ensure that you are getting the best returns.

Get in Touch

3 simple steps

1. Personal Details

Our standard fee for arranging a mortgage is £395. The fee is due upon application of a mortgage loan to the lender.

'A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.'

My Mortgage Experts & Protection Experts Ltd (FCA 937076), is an Appointed Representative of King Mortgages Ltd.

King Mortgages is authorised & regulated by the Financial Conduct Authority (FCA). King Mortgages Ltd is entered on the financial services register http://register.fca.org.uk/ under reference number 803561.

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Menu

    Leave a Review

    For more details on how we handle your data, please view our Privacy Policy

    Error: Contact form not found.

      Contact Me

      Fields marked with an * are required.

      For more details on how we handle your data, please view our Privacy Policy

      Automatic Property Value Updates

      Changes in property value, coupled with a potential reduction in your loan amount (with a repayment mortgage), mean a change in the equity available in your property (Loan to Value); hence there could be improved opportunities for a better mortgage for you.

      Product Expiry Date

      Sussed will track when your mortgage is due to expire (usually when your mortgage payments rise substantially as you will automatically transfer to your lender’s standard rate).

      The app will alert you when it’s the right time to discuss your options with your mortgage broker.

      Sussed can help you plan.

      Rate Riser

      This feature is ideal for today’s economy and increasing prices. Sussed will continually scan the market, looking for the best-fixed rates available, especially when interest rates are rising.

      Using a series of algorithms, our clever technology can identify longer-term fixed rates available today that could save money against predicted rates at the end of your current product term (including the cost of transfer) – sussed is doing all the hard work.

      Equity Available

      With automatic property value updates and your Mortgage information loaded, this feature calculates the amount of equity and the maximum potential loan that may be available within a landlord’s portfolio. This will assist with seeing if there is the opportunity for to perhaps buy another property from leveraging your portfolio.

      Within sussed, you will also be able to see each of your properties with a roadside picture, a confirmed property value, monthly rental, current mortgage balance, payments, interest rate and the Loan to value/Gross rental yield.

      Sussed can help you manage your portfolio.

      Early Review

      This feature is there waiting for interest rates when they reduce. Using the same technology as Rate Riser, sussed will identify if your current deal is now able to be improved.

      Should the interest rates decrease, sussed will compare deals available on the day with your existing deal and flag if there is an opportunity for you to save money by switching.

      Regional Price Limits

      There are price limits on homes you can buy with an equity loan. The limit is different for each region in England.

      • East - £407,400
      • East Midlands - £261,900
      • London - £600,000
      • North East - £186,100
      • North West - £224,400
      • South East - £437,000
      • South West - £349,000
      • West Midlands - £255,600
      • Yorkshire and the Humber - £228,100

        Download your PDF

        For more details on how we handle your data, please view our Privacy Policy

          Contact Us Today

          For more details on how we handle your data, please view our Privacy Policy