Buy to Let*

With Ethos Financial you are not only talking to professional mortgage advisers, you are also talking to experienced landlords with many years of managing rental properties. So you will get our professional expertise of buy to let mortgages, but also the understanding of the needs of a landlord.

That expertise is all the more important in the current property market – with the changes to a number of taxes that affect landlords – and regular changes to rental cover calculations that lenders use to assess affordability. Different lenders are using different formulae in their calculations, so it is important to know which lender to go with.

We will search through the whole of the market to find a suitable mortgage that meets your requirements. The loan will be covered by the rental payments and so an accurate rental valuation is vital to assess how much you can borrow – as well as knowing what your likely yield will be.

We are happy to talk through the different scenarios – everything from releasing equity for a deposit, to minimising your overall outgoings, to getting the most from your portfolio funding. We can even throw a few questions your way to help you think about scenarios you haven’t thought about before!

Call us now on 0207 183 3703 for an initial chat. We love talking property and helping people like you succeed with your properties.

NB And while you’re getting your buy to let mortgage arranged, don’t forget to ask about specialist landlord insurance.

Your property may be repossessed if you do not keep up repayments on your mortgage.