Buy To Let Mortgages LTV

Published 23 July 2012 · Last reviewed 3 August 2013 · Older article — see current rates

Get a Buy to Let mortgage with only 20% deposit. No minimum earned income requirement and available to applicants who have just started work

I am pleased to announce that we have access to a cracking buy to let product which requires a small deposit of just 20%. This therefore allows you to retain capital to use on future purchases to expand your buy to let portfolio.

There is no minimum earned income requirement, and is open to those who have just started work or a new business.

The rental yield must be at least 125% of the mortgage payment.

The rate is fixed at 4.99% for 2 years to allow you to budget.

Also for remortgages, we still have access to our best selling Buy to let mortgage at 4.40% with Free Valuation and Free Legal’s with only a £399 fee which is great value. Please note this product is for 70% loan to value.

Payam Azadi is a partner at Niche Advice Ltd who are Independent Financial and Mortgage Advisers in London.

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Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. A small number of buy-to-let mortgages are FCA-regulated — typically Consumer Buy-to-Let (where the borrower is not acting in the course of a business, such as an accidental landlord who has inherited or moved out of a former main residence) and Family Buy-to-Let (where the property is let to an immediate family member). Limited-company buy-to-let, portfolio buy-to-let and standard personal-name buy-to-let are not regulated by the FCA.

Where the underlying mortgage is not FCA-regulated, the lender's conduct on that loan is not covered by FCA rules and you may have reduced access to the Financial Ombudsman Service for complaints about the lending decision or product terms. However, Niche Advice Limited is a Credit Broker authorised and regulated by the Financial Conduct Authority (FCA No: 750263), and our broking activity — including the introduction we make to the lender — IS FCA-regulated under the FCA's CONC rules. Complaints about our broking service can therefore be referred to the Financial Ombudsman Service in the usual way.

80% Buy To Let mortgage product