Buy To Let
Hawke Financial Services LLP is a professional business based in Surrey, specialising in Mortgages and other financial services. As a priority element of our Buy To Let Mortgage Brokers Service, we are committed to finding the most suitable products to suit your needs from the thousands available.Contact our team
Buy To Let Mortgages
Whether you’re a veteran investor or a first-time lessor, Hawke Financial Services Llp is on hand to help you with your buy to let mortgage. The specifics around BTL mortgages can be quite daunting at first glance – the rates are pricier than residential mortgages due to the higher risk involved for lenders.
Hawke Financial Services Llp is committed to finding the perfect BTL products for you and advising you throughout the process. With our team of experts and decades of experience, we’ll make your property investment worthwhile.
Is Buy To Let Suitable for Me ?
Mortgage lenders will usually assess your eligibility based on your income and the rental yield of the property. Hawke Financial Services Llp will walk you through all the criteria. Here are some of the general but not mandatory requirements:
- Be of a minimum age, usually 25+
- Have a minimum income of at least £25,000
- Pass a credit check
As with all mortgages, your circumstances and the context around the property itself will play a role in the buy to let mortgage rates you can expect. The process is somewhat different for expats and foreign nationals, but we can walk you through it if that’s the case in your situation.
We do the hard work for you by brokering with potential lenders and advising you on the best course of action. You can find out more about us here.
Types of Buy To Let Mortgage
Consumer Buy To Let
If you or a close family member or relative has resided or intends to reside in the property in question, this is considered to be a Consumer Buy To Let arrangement. Here at Hawke FS, we are unlimited in the range of mortgages we can consider for you.
Single Freehold Multi-Unit
This type of property has more than one flat within a multi-unit space. It is therefore on a ‘freehold’ title and consequently requires a specialist mortgage.
HMO (Houses in Multiple Occupation)
Will your next property purchase be with a view to multiple occupancy? If this is the case then you will likely need a specialist HMO mortgage. It can often be difficult to find a lender because an arrangement for this type of property is fairly unusual Our Advisors at Hawke FS will, however, ensure that they find the best lender with the best rate for you.
Buy To Let – Limited Company – SPV/Trading Company
Your accountant might be advising you to purchase investment properties using a special purchase vehicle (SPV), which is under a UK Limited Company structure. The number of lenders in this sector has grown over recent years, however, our advisors at Hawke FS can guide you through the complex arena to find the most appropriate and cost-effective Buy To Let Loan for you. Several lenders in the Limited Company market work solely through mortgage brokers, which also reiterates the importance of discussing your needs with Hawke FS.
Whether it is the setup of the company, the variations associated with lenders preferences on the source of deposit, directors loans, trading companies, directors requirements, shareholding or any other criteria, we can help. Various blogs on these subject matters can be found in our Blog section.
Remember Hawke FS does not charge a broker fee!
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