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...]

Guarantors can help you get your first buy to let A mortgage guarantor for a buy to let can be used each even if your income is low or non- existent and you are a first-time buyer.For example, a mortgage guarantor for a buy to let could be a parent earning £25,000 (or more) and is willing to help you purchase the property – if so you're already halfway there! Frequently Asked Questions … [Read more...]

Borrow more on your buy to let without the costs As a Buy to Let Mortgage Broker I’m constantly looking at the market for buy to let mortgages with good rental calculations. I normally resist putting out blogs on buy to let mortgages with good rental calculations as the mortgage market is so dynamic and things chop and change so quickly but this one is so good I see it as my duty to share the … [Read more...]

Should I structure my buy to let as “Tenants In Common”? Should you structure your buy to let as “Tenants In Common” is a good question. Tenants In Common” is one of the most useful tools from a financial planning perspective including buy to lets. Detailed tax advice should also be sort from an Accountant or Solicitor. I’m a Buy to Let Mortgage Broker and see it as my responsibility to … [Read more...]