Buy to Let Mortgage | Offset Mortgage & Self Certification

What is Buy To Let & Why Go Down This Route?

The property market is known for its volatility, but investing in a property has consistently shown good long-term returns, so if you can invest, it is a great path to choose. You will need a specific Buy To Let Mortgage if you would like to buy a property to rent out for tenant occupancy. Some benefits of Buy To Let can be:

Increased income from rent
Potential for rental prices to increase to a higher rate than inflation
Possible growth value depending on increased property prices.

Call 020 8660 8613 or email info@hawkefs.com

Is Buy To Let Suitable For You?

Buy To Let Mortgages are usually assessed on your earned income and the rental yield of the investment property. The following criteria are just some of which you will need to comply with:

Be of a minimum age (usually 25+)
Have a minimum income (usually £25k +)
Pass a credit check

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 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 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.

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 Financial Services does not charge a broker fee!

Your Buy To Let Adviser

If you are thinking about purchasing a property for investment your adviser at Hawke FS can help you understand the costs involved in buying the property to the on-going costs you will need to budget for. No matter which type of Buy To Let arrangement you require, your adviser always assess your affordability and appropriateness, so we can avoid any potential financial stress.

What's next?

To start your Buy To Let journey or for more information on our services, please contact us today.

020 8660 8613

info@hawkefs.com

Enquire online

Types of Mortgage Services

Reviews and Feedback

Our valued, satisfied clients, past and present have kindly left a vast selection of reviews for our trusted advisers.

"We received a friendly and knowledgeable service. All options were clearly explained and all questions were answered quickly. Overall we received an excellent service..." 8th January 2019

“When looking at remortaging we were provided with all the various options available to us and given clear information to help us make the right decision for our needs. Very happy indeed and will use again in the future...” 8th January 2019

“An excellent service as always by Robin and his team, I have dealt with Hawke financial services on a number of occasions and each time there service has been excellent...” 8th January 2019

Insurance Options

Life Insurance
Critical Illness Cover
Income Protection
Accident, Sickness and Employment
Buildings and Contents / Landlord Insurance

Stamp Duty Calculator

Our simple stamp duty calculator can help you on your way to working out your finances when it comes to thinking about a first, a new or an investment property.

Try our calculator

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.