Buy to let mortgages

Buy to let

Whether you’re building a property empire or looking to buy your first buy to let property, at Investa Finance we have got you covered. Buying a property to let can be a good way to bring in a regular income, and getting the right mortgage can make a big difference.

Many landlords now operate and hold property in a limited company for the purposes of buy to let. Operating in this way may provide them with financial benefits and tax advantages. Working with and taking advice from a professional tax consultant can help determine whether this is the right way for you.

If you are a landlord letting out more than four properties, lenders consider you to be a ‘portfolio landlord’ which means that additional affordability consideration is applied to all properties you own, as well as the property you are seeking to mortgage. This brings additional complexity to the overall assessment.

Whether you are already a portfolio landlord or you are aiming to grow your portfolio, this area of advice is a niche that we pride ourselves on and we will provide you with the benefit of our experience in this area.

Consulting an experienced and impartial Investa Finance mortgage adviser means you can access expert advice on achieving your desired outcome.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Bridging loans | Commercial mortgages | Expats | Peer to peer lending

Bridging loans

Bridging loans can be a suitable short-term lending solution to raise finance. Such loans are used to ‘bridge a gap’ or provide funding while waiting for another event to occur. Bridging loans are commonly used:

Our investor clients are often buying at auction and needing funding quick and fast. We have extensive experience in supporting our clients to achieve their short-term financing needs as well as assisting with exit financing on to a standard buy to let term loan. We can also assist in instances of development finance, in such scenarios where the client is developing their purchase into multiple units or, indeed, ground up developments which are to be sold on as an exit plan or strategy.

Some forms of Bridging Loans are not regulated by the Financial Conduct Authority.

Commercial mortgages

In most ways, a commercial mortgage is similar to a residential one. A client takes out this type of loan when they acquire a property intended for commercial use, with the loan secured against the value of the property. As with a residential mortgage, the lender will assess the business or rental income in the case of an investment purchase to ensure it can afford to repay the loan.

However, there are differences when it comes to cost. For example, cost of valuation is typically higher in comparison. You’ll also pay higher interest because lenders usually perceive commercial mortgages as higher risk.

Nonetheless, commercial and semi commercial properties can be more profitable and business tenants often secure longer term leases and take responsibility for repairs and maintenance, so you the landlord don’t have to.

Our portfolio clients tend to have a spread in terms of the type of properties they hold and so they often have commercials in the mix. So if you need to finance a commercial or semi commercial property, then you are in safe hands with Investa Finance.

Commercial Mortgages are not regulated by the Financial Conduct Authority.

As I have a big portfolio I needed professional advice to reduce my mortgage payments. I was helped with all my mortgage applications, and they have been a constant help from beginning to end…

R Ali

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Expats & foreign nationals

With expat and foreign national mortgages the choice of lenders and products are limited.

As a result, in some instances you might expect to pay a higher rate of interest than compared to a standard mortgage.

As you would expect there will be additional diligence checks carried out to assess your suitability, however there are a good suite of specialist lenders that cater to this niche.

In the case of foreign nationals living and working in the UK, you will normally need to have lived in the UK for at least two or three years, have a UK bank account, a credit footprint and a permanent job in the UK.

It’s therefore very important to get specialist advice if you are looking for a mortgage, whether that is a standard or buy-to-let mortgage.

Peer to peer lending

Otherwise known as social lending or crowdlending, peer to peer lending enables individuals to borrow directly from individuals wishing to lend, cutting out the middleman of financial institutions and instead transacting via a website that sets rates and terms. It’s attractive because investors with money to lend often benefit from higher rates, while borrowers typically pay less interest. There are risks, however.

This type of lending is not covered by the Financial Services Compensation Scheme, for example, and as with any investment, there is the risk that you won’t get your money back.

Let's talk

With so many different types of loans and lenders out there, the world of buy to let and commercial finance can be complex. At Investa Finance we are here to help. We can advise on the best options for your specific circumstances and goals, so you can take your business to the next level. Just get in touch to discuss how we can help.