Helping landlords acquire mortgages

To Let

Bespoke Mortgages Limited can search the mortgage market for the best mortgages for property investment in your area, and find them quickly, so you don't lose any opportunities.

Buy to Let

A buy-to-let mortgage is for buying property you intend to rent to tenants. It differs in some ways from a mortgage for the home you live in.

For example, lenders may base the amount you can borrow on the expected rental income rather than on your earnings. They usually want that income to be larger than the mortgage interest payments by a certain percentage (which varies from lender to lender). This is to ensure the income will also cover property running costs such as maintenance, insurance and letting fees.

Read more

Let to Buy

Let-to-buy is an arrangement in which a homeowner wishes to rent out a mortgaged home and arrange another mortgage to buy a different property, to live in.

The existing mortgage on the current home can remain in place provided the lender gives permission to let. An alternative is to move to a different lender, increasing the borrowing (if necessary) to provide the deposit and fees for the purchase of the new property.

A let-to-buy arrangement can be extremely useful if you want or need to move house, say for work reasons, but don't want to (or can't) sell your home.

If you're interested in buy-to-let, or let-to-buy, we can find the most suitable mortgage for you. And as part of the service, we'll give you any help you need with the rules and procedures that apply to these arrangements.

Read more

A Note of Caution

The Financial Services Authority does not regulate most buy to let mortgages.

This limits your remedies if you have a complaint. So it's important that you deal with a reputable mortgage or financial adviser. We'll be happy to talk to your solicitor or bank manager, to enable them to assure you of our professional standing.

Read more