property finance

A Buy to Let (BTL) mortgage is a financial product designed specifically for investors looking to purchase property with the intention of renting it out to tenants. Unlike standard residential mortgages, where the loan is secured for a property the borrower intends to live in, BTL mortgages are commercial loans based on the potential rental income from the property as well as the investor’s financial circumstances.

Understanding Buy to Let Mortgages

BTL mortgages are an attractive proposition for those looking to enter the property investment market or expand their portfolio. The lending criteria for BTL mortgages differ significantly from residential mortgages, with lenders primarily focusing on the expected rental income from the property rather than the borrower’s employment income. However, most lenders will still require the borrower to have a minimum income level, often around £25,000 per annum, to provide a safety net in case of rental voids.

Our Enhanced Buy To let Mortgage at Berkshire Capital Finance

  • Competitive Rates: Starting from an impressive 4.29%, our mortgage rates are designed to maximise your investment returns, making it more affordable than ever to finance your rental properties.
  • High Loan-to-Value (LTV) Ratio: With up to 70% LTV, you have the leverage to expand your portfolio without the need for substantial upfront capital, opening doors to more investment opportunities.
  • Minimal to No Lender Fees: Our lender fees start from nil, reducing the overall cost of obtaining finance and enhancing your investment yield.
  • Automated Valuation Model (AVM): Skip the traditional valuation process and benefit from our cutting-edge AVM technology. This not only speeds up the application process but also minimises the hassle and expense of physical property valuations.
  • Rapid Processing: Get your case into legals in as little as 4 days. Our streamlined process is designed for speed and simplicity, ensuring you can secure financing quickly and efficiently.

This mortgage is not just another product; it’s a solution tailored for re-mortgaging portfolio landlords who value speed and simplicity in their financial dealings. However, its versatility makes it a perfect fit for all types of buy-to-let scenarios, whether you’re expanding your portfolio, purchasing a new investment property, or refinancing an existing one.

Benefits of Buy to Let Mortgages

Investing in property with a BTL mortgage offers several benefits:

  • Income Generation: A well-chosen property can provide a steady income stream from rent, which can cover the mortgage repayments and potentially yield a profit.
  • Capital Growth: Investors can benefit from any increase in the property’s value over time, alongside earning rental income.
  • Portfolio Diversification: Property can be a valuable part of a diversified investment portfolio, offering a different risk and return profile compared to stocks and bonds.

Buy to Let mortgages offer a gateway for investors to enter the property market or expand their existing portfolio, providing opportunities for income generation and capital growth. Get in touch with us to learn more about our buy to let mortgage from our property finance consultants.


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