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A refreshingly clear approach to your financial planning

Buy to Let

More and more of us are becoming landlords these days, mostly attracted by the potential for a solid regular income and often by the desire to invest in something that they can touch and feel – something ‘real’.

You may have the cash to buy a suitable property outright or you may wish to invest by putting in some of your own money and borrowing the rest – usually by means of a Buy-to-Let Mortgage.

This is a popular mortgage option for those wishing to invest in residential rental property. Although the perception is that buy-to-let mortgages are expensive, this isn't necessarily correct. There are many lenders who offer competitive rates, which in many cases are generally similar to the rates offered on a standard mortgage.

Which type of mortgage?

Some landlords use repayment mortgages to buy property they intend to eventually own outright. Others use interest-only mortgages, often with the intention of selling-on when the price of property rises. In either case they usually use the rental income to offset the repayments.

People can actually build up significant property portfolios as their business, and which provide their main source of income.

Contact us for further information and to arrange a mortgage on your buy-to-let Property.

You can be assured of clear independent advice tailored to your needs.

The FCA does not regulate some forms of buy-to-let mortgages

Landlord's Insurance""

Make sure yours ticks all the right boxes.

 

Contact us to get the right cover in place.

Things to bear in mind

1. Your goals: do you want an income now or in the future?

2. Lending Criteria: different lenders have different rules.

3. Can you let it – and for how much? It’s the opinion of the lender’s valuer that counts, not your letting agent!

4. Maximise Returns: High income yields tend to mean lower capital growth and vice versa. Location is everything.

5. Gearing: divide your capital between more than one property – thus borrowing more overall. But beware of possible future negative equity.

We can help you with all these issues.

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 © 2015 Arcaria Financial Solutions Ltd.

Arcaria Financial Solutions Ltd. is authorised and regulated by the Financial Conduct Authority
Registered office: Warden House, 37 Manor Road, Colchester, Essex, CO3 3LX
Company registered in England and Wales. Registered No. 8048391

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If you wish to register a complaint, please write to or telephone Arcaria Financial Solutions Limited, 14 Westlake Crescent, Wivenhoe, Colchester, CO7 9RZ.  Tel: 01206 823953

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.