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Your property investment journey starts here

 If you are thinking of starting out or adding to your portfolio, we’ve got you covered

The buy to let market has undergone plenty of changes, so if you looking to buy a standard buy to let, limited company buy to let or holiday let, we are on hand to give you the right advice.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

THE FCA DOES NOT REGULATE SOME FORMS OF BUY TO LETS

Buy to Let mortgages

Buy to let property remains a popular investment choice but navigating buy to let mortgages can be complicated.  From affordability to buy to let mortgage rates, Forever Home Mortgages can help property investors new and experienced find the best possible buy to let mortgages deals.

Your BTL mortgage journey

Getting ready to invest?  Here’s our four-step process to get you good to go on your next property

Review and renew

reviewing your insurance policies is part of our process, to keep you and your investment protected.

Get Mortgage Ready

we can get you an agreement in principle in as little as 20 minutes.

Let’s get going

book a no obligation consultation at a time to suit you.

A Helping Hand

we don’t just help secure you the right products, but support you all the way through until completion

Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of the claim,
declining to pay all the claim and possibly declaring the policy invalid.

Choosing the right
mortgage for you

Now you’ve decided to go ahead with a buy to let it will be time to consider which type of mortgage is right for you. 

Limited Company
buy to let mortgages

Buying a property to let through a limited company can offer some advantages and can enable you to keep your personal and business portfolios apart. Limited company buy to let properties will be taxed differently to those in personal names too. Typically, limited company buy to let mortgage rates are more expensive than standard buy to let rates, so it is important to take advice as to the right way to buy your next investment.

Holiday let
mortgages

If you are looking to purchase a property to rent on Airbnb or other short term periods to holiday makers, you’ll need a holiday let mortgage. They can make a good alternative to traditional buy to let investments, especially if you are looking to use the property as well. To find out more about holiday let mortgages rates, get in touch with Forever Home Mortgages.

your questions
our answers

interested in an investment property? Forever Home Mortgages are on hand to give you the tools and information to start or build your portfolio.

What is the lowest
buy to let deposit needed?
For most buy to let mortgages, you will need a minimum deposit of 25% of the purchase price. Some lenders will allow a deposit of just 20% but expect these buy to let interest rates to be higher.
Can I purchase a buy to let
as a first-time buyer?
If you are a first-time buyer and wondering if you can purchase a buy to let, the answer is yes! Not all lenders will allow this but there are many that do, so if you are looking for a first time buy to let, we recommend taking mortgage advice before starting your property search.
What is a ‘let to
buy mortgage’?
A let to buy mortgage is the process of changing your mortgage to a buy to let mortgage, whilst also purchasing a new property to live in. You will then be able to rent your current home to tenants. Let to buy is a popular option when you have found your forever home but are struggling to sell. You will need enough equity, then you can take a let to buy mortgage and release funds as a deposit for the new home.
What is a Holiday
Let mortgage?
A holiday let mortgage is taken when you are buying a property to let out on a short-term basis, typically in popular holiday locations. Lenders will usually use the weekly rental income to assess affordability, rather than the monthly rental income. Some lenders will also allow you to use the property for a limited period of time each year.

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