Buy to Let Mortgages and investments
When you wish to build up a small or large portfolio of residential properties, we are there to help and advise you with regard to not only the financing of such property purchases, but also with help and advice as to whether the properties that you are considering are right for your circumstances.
We believe that when purchasing an investment property, the basic rule is that the income yield from the property should be able to pay the interest if all the purchase monies are borrowed. In other words the income yield should equal the mortgage interest rate as a minimum. This rule of thumb will help you make your purchase decision.
Most investors need a helping hand and we are here to help. In the current climate of falling house prices, the yields (the income received divided by the purchase price) are starting to improve and once again buy to let mortgages start to make common sense as investments.
Obviously the availability and cost of finance is critical to the investment and we are here to help you obtain the best finance in the market.
Additionally the tax implications of such investments are critical and we work with your accountant or our own specialist accountants to ensure that you arrange these property investments in the most tax efficient vehicle, with the most tax efficient finance.