Welcome to our Buy to Let Mortgage Quotation System....

Whether you are buying your first Buy to Let property or you are a Portfolio Investor there are some things you can't do without knowing about finance such as:-

What choices of buy to let mortgage interest rates and investment property mortgages products are available
What is the maximum available loan
An illustration of costs and monthly payments
An analysis of returns from your investment properties

Our Buy-to-Let (NO OBLIGATION) quotation system will give you all of this and more FREE OF CHARGE whilst you are online.

We only select and commend those Buy-to-Let lenders whose products are competitive and whose service standards match those we constantly strive to achieve.

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The UK's leading web-site for online Buy-to-Let and Commercial Mortgage information, quotations and investment analysis..... The forte of our Buy-to-Let team is providing guidance to assist the establishment and growth of residential investment portfolios, whilst achieving optimal funding terms and the highest possible service standards. We don't just sell cheap mortgages, we structure facilities to maximise your returns both now and in the future.

Our Buy-to-Let Quotation System is updated on a daily basis. You can search for the most suitable mortgage type, e.g. fixed rates, variable rates, flexible mortgages. You can then obtain a tailor made illustration of costs and returns while you are online based on your own requirements. If you are new to Buy-to-Let, or you are considering Property Investment as an alternative or a substitute to your pension arrangements, you should seek professional guidance on the type and location of properties, which will rent out easily.

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Background Notes

the majority of buytolet investors will need an investment. It sounds obvious but remember that your property is at risk if you cannot or do not keep up on payments on the loan secured on it. Obtaining balanced advice is always hard if you have no personal contacts in the Financial Service industry. Considerations are as follows:-

Calculate How Much Money Can You Borrow � in order to calculate how much you can borrow, lenders look at your deposit size and how much you earn. The smaller your deposit, the more your lender may charge you (supposedly for extra risk).
Income Multiples - lenders use simple a income multiple formulae; the general market calculation for single applicants is three times your annual income (excluding sales commissions). For joint applicants, it is generally three and a half times joint incomes.
Loan to Value - how much money you can borrow is also dependant on the products on the market; Lenders will dictate in their product range how much of the total value of the property they are prepared to lend you � this is known as the Loan to value (LTV).

Investment financial products are also known as Residential Investment Loans. In principle, these are the same as normal residential loans with a few exceptions. When applying for an investment loan the main differences (compared to residential products) are:-

Larger Deposit Commitment - the size of the deposit is larger than a residential loan; typically as much as 20% of the LTV. In other words the deposit will be �20 for a �80k loan on a property worth �100k.
Higher Borrowing Rate % - the interest rate % will be higher; 0.5% to 1% above the base rate, (as an investment property loans is deemed a greater risk by the lender, than a residential repayment).
Rental Income 130% of loan - your lender will demand the anticipated rental income be at least 130% of the repayment (this figure varies according to lenders).