Until recently, raising finance has been fairly straightforward with investors who have a 25% deposit only needing to show that the rental value of the property is sufficient to cover the loan repayment leaving a reasonable margin.

Financing BTL property is generally fairly straightforward as the criteria is mainly based on the properties ability to produce sufficient rent to pay the mortgage leaving a fair margin of profit. Today, there is no rule of thumb to lending criteria as lenders all apply different criteria making it essential that proper advice is sought when seeking to obtain finance.

Below are some common finance options for investment property

Mortgages for Investment Property

  • HMOs

Mortgages for HMOs

The term HMO stands for houses in multiple occupancy and by their nature are usually quite large and expensive structures that offer the experienced property investor the opportunity to obtain much high rental yields thanRead more

Commercial Mortgages

For the sake of clarity, we will define a commercial mortgage in two distinct ways as described below. Commercial mortgages for businesses – Typical applications as below: Retail businesses – any public facing businessRead more

Investing via a limited company in BTL

Investors are looking at transferring their investment portfolios into limited companies as a way of negating the new tax restrictions introduced by HMRC. There is no simple answer to establish if this is a goodRead more

Investment Property Re-mortgage

It will be important for any property investor and especially those with portfolios of investment property to be certain to ensure that they are obtaining the best financing rates they can. This generally meansRead more

Loans for Investment Property

Secured loans

Secured loans for Investment Property The secured loan can be a very fast solution to raising money on an investment property if it contains sufficient equity to provide security. Secured loans are usually treatedRead more