Buy to Let Mortgages

Why Buy-to-let?

Buy-to-let investments have become increasingly popular in recent years following a sustained period of growth in the U.K housing market. Buying a property to let can benefit you the private landlord in two ways. Firstly, it can provide a stream of income and secondly, many buy-to-let landlords purchase property because of the potential for long-term accumulation of capital growth.

How is a Buy-to-let mortgage different from a conventional residential mortgage?

Buy to Let Mortgages are mortgages specifically designed for people who want to invest in the property market. They differ from standard residential mortgages by allowing the rental revenue to be considered as income when considering the ability of the buyer to meet the ongoing mortgage payments. Generally the percentage which the buy-to-let lender is willing to lend is likely to be restricted to 80-85% of the value of a property.

Why choose Oak Loans and Mortgages?

Our aim here at Oak Loans and Mortgages is to find you the buy-to-let mortgage that meets your needs perfectly. We use our tailored panel of specialised lenders to ensure your buy-to-let mortgage is the right one for your circumstances. Best of all we endeavor to get you a decision in principal within 24 hours.

At Oak Loans and Mortgages we know that purchasing a buy to let investment is a big commitment which can also be time consuming. Therefore we appreciate the need to provide an easy to understand, clear and hassle free application process for our customers. We are committed to providing first class customer service to keep us ahead of the competition and meet our customer’s high expectations. From your initial enquiry you will be assigned a dedicated advisor who will help you through every step of the buy-to-let mortgage process and be on hand to provide expert financial advice when required.

As part of our dedication to ensuring that your application is processed as quickly as possible Oak Loans and Mortgage carries out much of the lender's paperwork on their behalf including obtaining references, credit scoring and valuations. This ensures that your buy-to-let mortgage can be completed in the shortest time possible and enable you can complete the purchase of your property.