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  • Buy to let mortgages | Mortgages for Business
    Co s View details 4 79 4 9 APR 5 year fixed for Individuals Trading SPV Ltd Co s View details BTL Calculator Rate Finder Buy to let case studies Make an enquiry NEW Stamp Duty Calculator Stamp Duty Land Tax for individuals buying residential property and for all buy to let purchases Submit On completions on or before 31st March 2016 you will pay From 1st April 2016 you will pay on first home purchases and on all BTL and second home purchases Stamp duty payable Some of our lenders ANY PROPERTY USED AS SECURITY WHICH MAY INCLUDE YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Choose from Best buy to let mortgage rates Here s our top 10 best buy to let mortgage rates available today These best buy to let mortgage rates haven t simply been ordered by lowest pay rate they also take into account all features and benefits including loan term type loan to value fees and early redemption charges Limited Company Buy to Let Mortgage Rates Buy to let funding for limited company borrowers can be difficult to find Fortunately we have access to the whole market so detailed below are all the current buy to let mortgage rates available to limited company borrowers HMO mortgage rates Listed below are all the buy to let mortgage rates available where lenders will accept Houses in Multiple Occupation as security Remember every lender has slightly different rules on the size and type of HMO it will accept so do please talk to our expert brokers for more detailed information Buy to let remortgages All of the buy to let remortgage products currently available in the UK mortgage market Buy to let remortgage products often provide incentives including free valuations legal transfer services and discounted lender arrangement fees Fixed rate buy to let mortgages Fixed rate buy to let mortgages are ideal for those who want to know exactly how much their monthly mortgage repayments will be Fixed rate mortgages lock you into a specific rate for an initial period usually 1 2 3 or 5 years Here are all of the fixed rate buy to let mortgage products currently available in the UK market Discounted tracker rates Discounted or discount buy to let mortgages provide an initial period in which the lender s standard variable rate or tracker rate has been discounted Listed below are all of the discount tracker rates currently available in the buy to let market Lifetime tracker buy to let mortgages Also known as loan term trackers these rates track another rate for the term of the mortgage Here are all of the latest lifetime tracker mortgages in the UK market All buy to let mortgages As a result of having access to the whole buy to let market Mortgages for Business can offer you access to all buy to let mortgage rates including those that are not available on the high street Here are

    Original URL path: http://mortgagesforbusiness.co.uk/property-finance/customer/buy-to-let-mortgages/ (2016-02-16)
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  • Privacy policy | Mortgages for Business
    may be required by us from time to time in order to provide you with the best possible service and experience when using our Website Specifically Data may be used by us for the following reasons 4 4 1 internal record keeping 4 4 2 improvement of our products services 4 4 3 transmission by email of promotional materials that may be of interest to you 4 4 4 contact for market research purposes which may be done using email telephone fax or mail Such information may be used to customise or update the Website 5 Third Party Websites and Services 5 1 Mortgages for Business Limited may from time to time employ the services of other parties for dealing with matters that may include but are not limited to payment processing delivery of purchased items search engine facilities advertising and marketing The providers of such services may have access to certain personal Data provided by Users of this Website 5 2 Any Data used by such parties is used only to the extent required by them to perform the services that Mortgages for Business Limited requests Any use for other purposes is strictly prohibited Furthermore any Data that is processed by third parties shall be processed within the terms of this Policy and in accordance with the Data Protection Act 1998 6 Links to Other Websites This Website may from time to time provide links to other websites Mortgages for Business Limited has no control over such websites and is in no way responsible for the content thereof This Policy does not extend to your use of such websites Users are advised to read the privacy policy or statement of other websites prior to using them 7 Changes of Business Ownership and Control Mortgages for Business Limited may from time to time expand or reduce our business and this may involve the sale and or the transfer of control of all or part of Mortgages for Business Limited Data provided by Users will where it is relevant to any part of our business so transferred be transferred along with that part and the new owner or newly controlling party will under the terms of this Policy be permitted to use the Data for the purposes for which it was originally supplied to us 8 Controlling Use of Your Data 8 1 Wherever you are required to submit Data you will be given options to restrict our use of that Data This may include the following 8 1 1 use of Data for direct marketing purposes and 8 1 2 sharing Data with third parties 9 Your Right to Withhold Information 9 1 You may access certain areas of the Website without providing any Data at all However to use all features and functions available on the Website you may be required to submit certain Data 9 2 You may restrict your internet browser s use of Cookies For more information see Clause 12 10 Accessing your own Data You

    Original URL path: http://mortgagesforbusiness.co.uk/hygiene/privacy-policy/ (2016-02-16)
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  • Buy to let mortgage enquiry | Mortgages for Business
    Tracker Rates Fixed Rates Discounted Tracker Rates HMO Mortgage Rates Limited Company Rates Buy to Let Mortgage Calculator Buy to Let Tax Calculator Commercial mortgages Commercial mortgages Rates fees How to apply Business mortgages Commercial investment mortgages Non Residential Stamp Duty Calculator Property Development Finance Property development finance Rates Loans Fees How to apply Refurbishment finance Bridging short term finance Bridging short term finance Bridging loans Refurbishment finance Auction Finance Residential mortgages Residential mortgages Rates Loans Fees How to apply Types of mortgage Residential Stamp Duty Calculator Research Case Studies Complex Buy to Let Index Buy to Let Mortgage Product Index Buy to Let Mortgage Costs Index Limited Company Buy to Let Index Property Investor Survey Money Markets FAQs FirstRate MFB TV Helping brokers with Buy to let mortgages Commercial mortgages Property development finance Bridging short term finance Case processing BrokerBusiness Case Studies Consulting Buy to Let Lending Mortgage Flow Published Research News Insight Buy to let mortgages Commercial Mortgages Property Development Finance Bridging Short Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share Buy to Let Mortgage Enquiry Buy to Let Mortgage Enquiry Please use this form to send us your contact details and one of our brokers will be in touch as soon as possible If you have a specific query please use the text box provided Title Miss Mrs Ms Mr Dr Other Please provide your title First Name Please provide your first name Last Name Please provide your last name Email address Please provide a valid email address Telephone Please provide a numeric telephone number no spaces Message Please tick here if you would like to receive the latest information on products and market information we provide Submit Get in contact with us 0845 345 6788

    Original URL path: http://mortgagesforbusiness.co.uk/forms/buy-to-let-mortgage-enquiry/ (2016-02-16)
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  • Buy to let mortgage | Call back request | Mortgages for Business
    Best Buys Lifetime Tracker Rates Fixed Rates Discounted Tracker Rates HMO Mortgage Rates Limited Company Rates Buy to Let Mortgage Calculator Buy to Let Tax Calculator Commercial mortgages Commercial mortgages Rates fees How to apply Business mortgages Commercial investment mortgages Non Residential Stamp Duty Calculator Property Development Finance Property development finance Rates Loans Fees How to apply Refurbishment finance Bridging short term finance Bridging short term finance Bridging loans Refurbishment finance Auction Finance Residential mortgages Residential mortgages Rates Loans Fees How to apply Types of mortgage Residential Stamp Duty Calculator Research Case Studies Complex Buy to Let Index Buy to Let Mortgage Product Index Buy to Let Mortgage Costs Index Limited Company Buy to Let Index Property Investor Survey Money Markets FAQs FirstRate MFB TV Helping brokers with Buy to let mortgages Commercial mortgages Property development finance Bridging short term finance Case processing BrokerBusiness Case Studies Consulting Buy to Let Lending Mortgage Flow Published Research News Insight Buy to let mortgages Commercial Mortgages Property Development Finance Bridging Short Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share Buy to Let Mortgage Call Back Buy to Let Mortgage Call back Please use this form to send us your contact details and one of our brokers will be in touch as soon as possible If you would like us to call you back at a particular time please let us know in the message box provided and we will do our best to contact you at that time First Name Please provide your first name Last Name Please provide your last name Email address Please provide a valid email address Telephone Please provide a numeric telephone number no spaces Message Submit Get in contact with us 0845 345 6788 or Use our

    Original URL path: http://mortgagesforbusiness.co.uk/forms/buy-to-let-mortgage-call-back/ (2016-02-16)
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  • Buy to Let Mortgage Calculator | Mortgages for Business
    Buy to Let Mortgage Costs Index Limited Company Buy to Let Index Property Investor Survey Money Markets FAQs FirstRate MFB TV Helping brokers with Buy to let mortgages Commercial mortgages Property development finance Bridging short term finance Case processing BrokerBusiness Case Studies Consulting Buy to Let Lending Mortgage Flow Published Research News Insight Buy to let mortgages Commercial Mortgages Property Development Finance Bridging Short Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share Customer Buy to let mortgages Buy to Let Mortgage Calculator Property value Loan amount Loan to Value Rent per month Fixed variable All Fixed Variable Term years Submit Rate APR Type Details Term Max loan Req Rent Lender Fee Int Only Cap Int Max LTV Revert Rate 2 49 4 7 Fixed 2 years to 02 05 2018 150 000 781 2 250 315 806 75 4 74 SVR Quote 2 49 4 7 Fixed 2 years to 02 05 2018 150 000 781 2 250 315 806 75 4 74 SVR Quote 2 69 4 7 Fixed 2 years to 02 05 2018 150 000 781 1 995 340 820 75 4 74 SVR Quote 2 69 4 7 Fixed 2 years to 02 05 2018 150 000 781 1 995 340 820 75 4 74 SVR Quote 2 84 4 7 Discounted BBR 2 34 2 year term 150 000 781 995 357 825 75 4 74 SVR Quote 2 84 4 7 Discounted BBR 2 34 2 year term 150 000 781 995 357 825 75 4 74 SVR Quote 2 87 5 0 Discounted LIBOR 2 29 2 years to 30 04 2018 150 000 794 1 500 362 830 75 5 08 LIBOR 4 50 Quote 2 99 5 3 Fixed 2

    Original URL path: http://mortgagesforbusiness.co.uk/buy-to-let-mortgage-calculator/ (2016-02-16)
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  • Understanding buy to let mortgages | Mortgages for Business
    a tenant and the property is left unoccupied there is a chance they won t be able to keep up with their mortgage repayments meaning the property could be repossessed A void period is not the only risk that needs to be considered by those looking to go into property investment major repairs could increase overall costs and of course the housing market on its own can have a huge impact on an investors potential profit margin What is the borrowing criteria Unlike residential mortgages which are calculated on the basis of the applicant s salary buy to let mortgages operate differently The mortgage lender applies a rent to interest RTI cover calculation meaning the borrower must be able to prove they can obtain enough rental income from the tenant to cover the interest on the mortgage RTI cover amounts vary between lenders however the rental income usually has to be between 125 and 130 of the monthly mortgage repayment A large proportion of lenders also require a minimum income of 25k per annum in addition to the income made from rent Like any other mortgage the borrower must put up a deposit for the property Currently buy to let mortgages are available up to 85 loan to value LTV meaning the borrower would have to put up a deposit of 15 However 75 LTV is a more realistically achievable figure As far as age restrictions are concerned most buy to let mortgage lenders impose a maximum age of 75 on maturity of the loan however there are a small selection of specialist lenders that extend this to 85 years Interest only or repayment The decision of whether an investor chooses an interest only or repayment capital and interest buy to let mortgage will very much depend on the individual s investment strategy The repayment route is often suited to investors using property as an alternative pension plan or looking to build a small property portfolio With monthly capital and interest repayments the investor can be sure that at the end of the mortgage term the full loan is repaid The interest only route is usually more popular with professional landlords and property investors for two main reasons Firstly with an interest only strategy the investor s aim is usually to continue building a sizeable portfolio of property By choosing this strategy the investor has the cashflow to re gear their property capital in order to increase their number of properties This is usually a long term strategy At the end of the mortgage term the property is usually sold to repay the initial advance Secondly there are certain tax advantages as interest due on buy to let mortgages can be off set against tax We recommend that you seek professional advice from a qualified accountant regarding the tax incentives available Are buy to let mortgages regulated No unlike domestic residential mortgages buy to let mortgages are not regulated by the FCA Financial Conduct Authority however recent regulations proposed by

    Original URL path: http://mortgagesforbusiness.co.uk/property-finance/customer/buy-to-let-mortgages/buy-to-let-explained/risks-borrowing-criteria/ (2016-02-16)
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  • How to buy to let | Mortgages for Business
    Having said this mod cons such as Wi Fi can help secure the right tenant If you think the property might be classed as a House in Multiple Occupation HMO make sure the property has a license to operate from the local council You will not be able to secure finance on the property without it 3 Talk to a specialist broker When researching how to buy to let it is vital to talk to someone that has a deep understand of the buy to let mortgage market Some buy to let mortgages are not available on the high street so to ensure you get a complete picture of the finance options available you should consider using the services of an independent specialist mortgage broker who has access to the whole market you can call us today on 0845 345 6788 Due to their business volumes and longstanding relationships with lenders specialist brokers often afford their clients preferential processing treatment on mortgage applications Remember unlike home owner mortgages buy to let mortgages are not regulated by the FCA so make sure that you use a broker that is a member of the National Association of Commercial Finance Brokers Residential property investment is not a get rich quick scheme It is a medium to long term investment strategy and a good broker will help you to consider all the potential costs in order to forecast your return on investment Costs can include Lender arrangement fee Mortgage application booking fee Broker fee Property valuation fee Legal fees Mortgage payments Letting agent fee Tenant reference check fee Landlord insurance Rent insurance Property maintenance Tenant void periods 4 Decide whether to self manage or use a letting agent Another thing to consider when researching how to buy to let is whether to use the services of a letting agent Not only can they advertise your property for you they can also manage the property Of course there are pros and cons of managing the property yourself or using a letting agent so you need to way up these options If managing the property yourself you need to ensure you have the right skills or at least the right contacts and support to ensure that things get done quickly and efficiently The majority of landlords who manage and maintain properties themselves invest in their local vicinity and are generally on call 24 7 If you are investing outside of your area using the services of a letting agent may be a better option but do make sure you understand all the fees involved Unlike estate agents letting agents are not regulated so do make sure you use one that is signed up to ARLA 5 Check out your tenant In the current climate it is more important than ever to undertake credit reference checks on new tenants When learning how to buy to let simply hoping that the prospective tenant will pay rent on time doesn t make sense Tenant referencing checks can cost less

    Original URL path: http://mortgagesforbusiness.co.uk/property-finance/customer/buy-to-let-mortgages/buy-to-let-explained/how-to-buy-to-let/ (2016-02-16)
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  • Buy to let property types | Mortgages for Business
    buy to let lenders In the trade these property types are known as vanilla buy to let properties Terraced houses especially of the Victorian and Edwardian era are the most popular however semi detached detached houses and bungalows are also common Flats tend to be in purpose built blocks or converted houses Many lenders will not consider flats in high rise blocks particularly where the block is owned by the council or a housing association so it always worth checking with us to see how many storeys a particular lender will consider Houses in multiple occupation HMOs HMO property is one where unrelated tenants have exclusive access to their rooms and share common living areas such as the kitchen or bathroom Examples include student shared housing or bedsit style housing The property can either be let on a single Assured Shorthold Tenancy AST which includes all of the tenants or alternatively each tenant can have their own AST agreement Legislation requires that some HMOs are licensed by local authority The local authority will determine whether the property in question is classed as an HMO based on the number of storeys and or the number of people households living within the property The local authority will then advise if the property requires a licence to operate For licensing purposes a household refers to members of the same family or couples whether or not they are married living together whilst a group of friends sharing does not constitute a single household In addition each local authority may require that a property has planning permission to operate as an HMO or to be let to three or more unrelated sharers so it is vital to make checks that all the relevant permissions and licences are in place before applying for a buy to let mortgage Most lenders will ask for documentary proof that the required permissions and licences have been confirmed Properties converted into self contained flats could be considered HMOs if the conversion does not meet the 1991 Building Regulations and more than one third of the flats are let out on short term tenancies Void periods for part of a HMO has a lesser impact on a landlord s cash flow than a void period on a standard buy to let property Multi unit freehold blocks MUFBs A multi unit freehold block is a single building with multiple separate independent residential units owned under a single freehold title meaning no unit is subject to a lease This particular property type comes in a variety of configurations such as purpose built blocks or flats or houses converted into flats and have the following characteristics Multiple houses each with their own AST agreement Private areas that are the personal space of each resident household into which no one else has right of access Separate entrances for each resident household Some also have common areas that all residents households have the right to use such as a hallway or garden area Much like HMO

    Original URL path: http://mortgagesforbusiness.co.uk/property-finance/customer/buy-to-let-mortgages/buy-to-let-explained/buy-to-let-properties/ (2016-02-16)
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