Maximise Your Investment with Our Comprehensive Buy-To-Let Mortgages
As a prospective or seasoned landlord, finding the right mortgage for your buy-to-let property is pivotal to your investment success. At Madison Finance, we offer a range of buy-to-let mortgage solutions tailored to match your investment strategy. Whether you’re purchasing your first rental property or expanding your existing portfolio, our expert team is here to provide the financial guidance and support you need.
With a strong network of lenders and in-depth knowledge of the buy-to-let market, we are well-positioned to find the ideal mortgage deal for you. We understand the intricacies and regulations of buy-to-let mortgages and are committed to helping you navigate the lending criteria, rental calculations, and tax considerations.
Not all Buy-to-Let mortgages are regulated by the Financial Conduct Authority.
First time landlord
One of the most significant financial considerations for landlords is securing the right mortgage. As a first-time landlord, you may be unfamiliar with the process of obtaining a buy-to-let mortgage, which is specifically designed for landlords. This is where the importance of using a mortgage adviser comes in.
At Madison Finance, we can help you find the right mortgage product for your needs. We can assess your financial situation and advise you on the most suitable mortgage options available to you. This can save you time and effort in researching and comparing different mortgages on your own and may also save you money in the long run by helping you secure a better deal.
Additionally, we can help you navigate the various fees and charges associated with taking out a mortgage, such as arrangement fees, valuation fees, and early repayment charges. Our expert advisers can also advise you on the different types of interest rates available, such as fixed, variable, or tracker rates, and help you understand how these could impact your mortgage payments over time.
Portfolio landlords
At Madison Finance, we understand that portfolio landlords face unique challenges when it comes to securing financing for their properties. A portfolio landlord is defined as someone who owns four or more mortgaged properties, whether they are buy-to-let or commercial properties.
Large portfolio landlords, in particular, face even greater challenges due to the complexity of their portfolio. These landlords may have properties in different locations, with varying rental incomes and different types of tenants. As a result, lenders may view them as higher risk and may require more extensive underwriting processes.
Complications can arise when large portfolio landlords try to obtain a mortgage for additional properties, as many lenders have caps on the number of mortgages they will offer to one borrower.
At Madison Finance we specialise in helping portfolio landlords secure financing for their properties. We work with a wide range of lenders who are experienced in dealing with portfolio landlords and understand the unique challenges they face. We can help you navigate the complexities of obtaining financing for your portfolio, whether you’re looking to purchase a new property, refinance an existing property, or consolidate your portfolio.
Limited company
Securing a buy-to-let mortgage for a limited company can be a complex process with various challenges to navigate. However, at Madison Finance our team of expert advisers have the experience and knowledge necessary to help you overcome these obstacles and find the right mortgage solution for your company’s property investment goals.
One of the main challenges of obtaining a buy-to-let mortgage for a limited company is the stricter lending criteria imposed by lenders compared to those for individual borrowers.
At Madison Finance, our advisers have extensive experience in securing buy-to-let mortgages for limited companies. We work with a wide range of lenders, including those that specialise in lending to companies. We can help you navigate the complex application process and find a mortgage product that is tailored to your company’s specific needs.
Our advisers will work closely with you to understand your investment strategy, financial situation, and property goals before recommending suitable buy-to-let mortgage options.
Buy-To-Let Remortgages
A buy-to-let remortgage is a type of mortgage used by landlords to remortgage their existing buy-to-let properties, either to release equity or to take advantage of better interest rates.
When you remortgage, you essentially pay off your existing mortgage and replace it with a new one. This can be a good way to save money on your monthly repayments or to release some of the equity in your property.
There are several reasons why a landlord may want to remortgage their buy-to-let property:
