BUY TO LET MORTGAGES

Implementing Business Expansion

Whether your clients are professional landlords or first-time landlords,

we can provide the best bespoke solution tailored to their individual needs

A buy-to-let mortgage is intended for individuals who are purchasing a property as an investment, or for those seeking to remortgage an existing property that they do not live in. These mortgages are specifically designed for landlords who plan to rent out the property rather than occupy it themselves.

Buy-to-let mortgages are usually interest-only which allows the investor to keep the monthly payments lower as they are only covering the interest on the loan and not reducing the capital borrowed. With an interest only option the loan is never paid off until the property is either sold or refinanced. However, Bugle Finance can arrange an interest only or a repayment buy-to-let mortgage which offers the investor the opportunity to gradually pay off the capital along with the interest. Whilst the monthly payments are higher in this instance, the investor is building equity in the property rather than just paying the interest.

The increased demand for buy-to-let lending is influencing the market significantly. This increased demand has been paired with tougher regulations and stricter lending restrictions. These factors have made it more challenging for mainstream lenders to provide buy-to-let products, especially for those with smaller portfolios or more complex financial situations. However, specialist brokers, like Bugle Finance, have the ability to arrange customised products and solutions for BTL investors through partnerships with a range of specialist lenders.

No matter the situation, Bugle Finance will collaborate with you to identify the best solution for your clients. Whether it's for first-time landlords or portfolio landlords, specialist buy-to-let mortgages are designed to accommodate even the most unique cases.

Student Let Properties
Mixed Portfolios:
Flats Above Shops including takeaways
House in Multiple Occupation (HMOs)
Ex-local Authority Properties
Properties of Non-Standard Construction
First Time Landlords
Properties Owned Less Than 6 Months

Each of these scenarios represents a niche area in property investment and finance, with varying levels of complexity in terms of regulations, risk, and financial structuring. With the knowledge and expertise that Bugle Finance has with complex cases, we are confident that we will find a solution for your clients.