Mortgage Options ni

Buying A Property to Rent (Buy to Let)

This can be 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.

Landlords also have a choice between interest only and repayment mortgages. Buy to let mortgages do differ in several ways from standard mortgages.  When lenders are considering approving a buy to let loan, they generally base their decision on the likely rental income from the property and not necessarily the applicants' income.  A prospective landlord needs to be aware that the rental income typically needed is 125% of the mortgage repayment, although this can vary from as little as 100% rental income up to 130%.

With our expertise in this market, we can help you find the best product to suit your requirements.  With our extensive access to thousands of mortgages and our knowledge of lender's requirements, we can find you the right buy-to-let mortgage. 

Buy to Let mortgages are NOT regulated by the Financial Conduct Authority.

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View and research todays leading mortgage rates available and we shall be happy to arrange your mortgage with the lender on your behalf. 


Call us on 028 258 98625 or send us an email at info@mortgageoptionsni.co.uk if you would like to find out more.

WHAT OUR PAST CLIENTS HAVE SAID

Mortgage Options ni (Life Assurance Direct Services) is registered in England and Wales. Registered office, 54 Thornhill Road, Antrim, County Antrim, BT4 1LG.

Authorised and regulated by the Financial Conduct Authority. Mortgage Options ni is entered on the Financial Services Register https://register.fca.org.uk/ under reference 400866.

If you wish to register a complaint, please write to us at the address above, email us at info@mortgageoptionsni.co.uk or call us on 02825 898625.

A summary of our internal 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 0234 567.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE