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How Much Can I borrow?

With buy to let residential investment property, the maximum loan you can apply for is generally 85% with rental cover between 100% to 130% in most cases. So in this instance the minimum deposit you will require is 15%. However, this can differ between different lenders dependent on products and your individual circumstances as some lenders are now even offering up to 90% LTV with just 100% cover.

It may also differ if you are looking at commercial investment property. To find out exactly how much you could borrow, contact one of the buy to let experts or your own mortgage provider or mortgage broker who will be happy to explain all the options available to you.

Building An Investment Property Portfolio

The property market has always been a subject of immense interest particularly over the last few years as we’ve seen dramatic increases in property values and the range of buy to let mortgages getting even bigger making it even easier for people to get a foot on the buy to let ladder. As the pensions and stock markets continue to raise speculation as to their performance, more and more people are opting to invest in property.

How to Get Started in Buy to Let

Do as much research as you can. When you think you’ve done enough.
Do a bit more …!

Find out what properties are really selling for. This may differ from what they are being advertised for! A good way of doing this is by contacting estate agents and researching on the internet. A good way is to look at property house price websites. For example: www.ourproperty.co.uk, www.nethouseprices.co.uk.
Find out What is the level of demand for rental properties in the area you are looking at.
Do a Test Advert before you’ve even bought an investment property in the area you are considering. See how many enquiries you get and that will give you a good idea of the demand before you have even committed to a purchase and it could cost you from as little as £30. A lot less than a good few thousand pounds!!
What type of property is most in demand for rental. For example, if it is a university city, then the demand for shared student accommodation may be much higher than property for professional sharers.
Find out what rent is being achieved on those properties and the likely time to get the property let out. Speak to letting agents and local businesses that may be letting properties already in the area.

Happy Hunting for that Perfect Investment Property ….

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