Buy To Let Mortgage Brokers

Whether you are a first time landlord or have a sizeable portfolio already, AS Financial’s consultants have the expertise and experience to guide you through your financing options and the various methods of obtaining finance.

Buy to Let mortgages are more complicated than ever, with many providers simply not offering them. This makes having a broker on your side crucial to securing your lending and getting a great rate. With access to the whole market, we will be able to introduce you to brands and niche lenders you’ve perhaps never heard of, but could be the right solution for your complex needs.

Buy to let and portfolio landlord mortgages are more complex than ever. With increasing product fees, some amounts to tens of thousands, and a plethora of calculations in order to work out maximum borrowing, it has become harder to assess how much lending is possible.

With our expertise and technology, AS Financial is able to demystify this, get accurate and simple answers to complex problems and navigate you through the minefield, to get the maximum lending to achieve your goals.

How much do you need for a buy-to-let mortgage?

For a buy-to-let mortgage, you'll generally need a deposit ranging from 20% to 40% of the property's value, with 25% being typical. For a £250,000 property, this means a deposit could be between £50,000 (20%), £62,500 (25%), or £100,000 (40%).

Do I need 25% for buy-to-let?

A buy-to-let property usually requires a larger deposit, typically at least 25%. Additionally, interest rates for buy-to-let mortgages are generally higher compared to residential mortgages.

Do I pay stamp duty on buy-to-let?

A buy-to-let mortgage has several differences from a standard residential mortgage. Even if you’re buying a property to rent out, you’ll still need to pay stamp duty. In fact, the tax rate is usually higher for buy-to-let properties compared to residential ones.

What are the new rules on buy-to-let?

Landlords can no longer offset mortgage interest against rental income to lower their tax. Instead, you’ll get a tax credit of 20% on the interest portion of your mortgage payments. This change could lead to a significantly higher tax bill than before.

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Why customers use AS Financial

Modern mortgage advice

In conjunction with our highly trained professional mortgage advisers, AS Financial uses the latest industry technologies to make your mortgage journey more educated and informed. AS Financial believes in using technology to make your life easier, not forcing our clients to use technology. It’s important to us that you always have advice from a mortgage professional and every client has their own allocated adviser.

Truly independent advice

AS Financial searches the whole market each and every time. You are an individual with individual circumstances making you unique. We understand and embrace these differences and carry out bespoke market research for every one of our clients. Of course we want you to get a great rate, but more importantly, we are here to make sure you achieve your goals from first property purchase to re-mortgaging your buy to let portfolio.

Expert implementation

AS Financial believes in mortgage professionals, not just in the areas of advice, but also in progressing your mortgage and making sure it completes. At each stage of your mortgage you are allocated the correct expert for you to rely on, through our Technical Progressing Team and our Completion Team. We truly believe this sets us apart in the mortgage advice arena and makes sure our clients get the attention they deserve at all stages.