Buy to Let Mortgages

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Buying an investment property is very different to buying a home for yourself. There are several things you need to do to ensure you become a successful landlord.

Speak to letting agents in the area where you want to buy to find out whether there is demand for rental properties and how much income you can expect. Once you have an idea of the kind of rents you can achieve we can help you work out how much you can afford to spend. Most lenders will ask that rental income is at least 125% of your monthly mortgage interest.

Currently there are buy to let mortgages of up to 85% loan to value available, but you will get a better deal if you have a larger deposit. We will be able to provide you with personalised illustrations if you give us a call or complete our online enquiry form.

There are lots of special offers around so you can take advantage of a fixed rate or discount in the early years. We can let you have details of the best deals available on the market when you contact us. For a fee of up to 15% of the gross rental income you can employ an agent to find tenants, check out their references and collect the rent.

Alternatively, if you decide to rent the property out yourself we recommend that you advertise in your local newspapers, then always make sure that you get references and credit check any potential tenants before signing them up. Don't forget to ask us about insurance for your rental property - take a look at our Cover section for an overview of what's available.

There will be a fee for arranging a mortgage and the precise amount will depend upon your circumstances. This fee would typically be £399.00, payable upon application.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

IMPORTANT - Please download and print our Initial Disclosure Document (IDD). Complete Mortgages, Complete Money, Complete Cover and Complete Investments are trading names of Complete Mortgages Limited. Registered in England & Wales 05537384. Registered Office Wey Court West, Union Road, Farnham, Surrey GU9 7PT. Complete Mortgages Ltd is an Appointed Representative of Mortgage Next Network Ltd, which is authorised and regulated by the Financial Services Authority for mortgage and insurance mediation activities only. Mortgage Next Network Ltd is entered on the FSA register (http://www.fsa.gov.uk) under reference 300866. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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