https://www.youtube.com/watch?v=mtzmiikdpdI Mortgages criteria for both Limited Company or Personal Name options. Before I delve into the details can I start with the age old adage: "there's always two sides to a story", whilst Limited Company buy to lets are trendy, particularly on purchases, it may not be right everyone. The other major fact I need to stress is I'm basing this article … [Read more...]

Society has become more adept at recognising "vulnerable" persons and thankfully this is now bleeding into the buy to let mortgage market. Historically there was only a clutch of buy to let lenders who supported the use of let properties for social housing but this changed following a concerted march on a leading UK bank a few years ago by aggrieved tenants who were struggling to be housed, not … [Read more...]

Looking for a high street mortgage rate for buy to let properties as a portfolio landlord. On the face of it, this challenge sounds straight forward however the reality is many of the best priced mortgage products are available exclusively for landlords with a maximum of four mortgaged properties. However, I know of a major UK bank that allows these cutting edge products and bypasses their … [Read more...]

As I know first hand tenants aren't always the most reliable so a buy to let mortgage with payment breaks can be very helpful. So why is it Buy to let mortgages with payment breaks are not easy to come by? As well as a Landlord; I'm a professional Mortgage Broker too and in this article, I'll explain why and how there are options open to you. Lets start with the Buy to Let Mortgage Lender's … [Read more...]

Looking at Multiple ways of Renting to a family and getting a Buy to Let Mortgage If you are reading this article on "Renting to a family member" you may have been stonewalled by the Mortgage Lenders you have approached. It's certainly not a case of "blood is thicker than water" in most Mortgage Lenders eyes. By why is this? I'm a professional Mortgage Broker and in this article, I will … [Read more...]

Buy to Let Mortgage portability This article discusses portability of mortgages across various buy to lets. Mortgage portability can be a powerful tool but is often overlooked by consumers in making their initial mortgage selection. So what is mortgage portability and why is it important on buy to lets?  Mortgage portability allows you to move your mortgage from one property to … [Read more...]

Commercial usage near my property is stopping me getting a mortgage If you are reading this article on “Mortgage declined as near Commercial properties” you are undoubtedly you are feeling frustrated right now. Below I provide an insight to hopefully bring a smile back onto your face. Just so you know this article forms part of my “my properties are stopping me getting a mortgage series” … [Read more...]

Dealing with large Buy to Let portfolio size issues and different lending criteria. If you are reading this article on “Buy to Let portfolio size” you are undoubtedly you are feeling frustrated right now. Below I provide an insight to hopefully bring a smile back onto your face. Just so you know this article forms part of my “my properties are stopping me getting a mortgage series” and … [Read more...]

The rental coverage of my Buy to Let portfolio is stopping me getting a mortgage If you are reading this article on “the rental coverage of my portfolio is stopping me getting a mortgage” you are undoubtedly you are feeling frustrated right now. Below I provide an insight to hopefully bring a smile back onto your face. Just so you know this article forms part of my “my properties are … [Read more...]

Buy to let mortgage without Tax Calculations Before I explain the situation pertaining to mortgages; I need to make clear Niche Advice is a Mortgage Broker not an Tax Adviser, and would stress the importance of staying on top of your tax affairs will the help of an Accountant. If you are a Landlord and have applied for a buy to let mortgage in the last 2 years you would have probably been … [Read more...]