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BUY-TO-LET
MORTGAGES
BUILD A BUY-TO-LET PORTFOLIO
We’ve been working with landlords to secure the best buy-to-let mortgage deals for years. Whether you’re an experienced landlord ready to remortgage an existing buy-to-let property, or you’re looking to start building your buy-to-let portfolio and need support – our advisors can help you maximise the success of your investment.
As an independent mortgage broker, we work for you. Castlegate Financial Services is not tied to any banks or building societies so you can be sure that we're doing our best to secure you the best possible deal for your property and circumstances.
From free initial advice to end-to-end support from application to completion, we're here for you every step of the way,
Free Buy-to-Let Property Advice
Despite the many changes and challenges in the market, property still represents a great investment opportunity. But how do you get started? Building a Buy-to-Let property portfolio isn't rocket science but it takes some strategy, planning and expert advice to do it well.
Our mortgage advisors have years of experience in the buy-to-let market and many are landlords themselves. From initial advice to help you decide between purchasing your first buy-to-let in your own name or setting up a Limited Company, to helping you find your first investment property, our experts are here to help.
Getting a Buy-to-Let Mortgage
Buy-to-let mortgages are usually assessed in two ways. Firstly, the lender will look at your circumstances and ensure that you can afford to pay the mortgage if your tenant doesn’t pay their rent or if your property is empty for a while. However, the main assessment is based on the amount of rent you receive for the property. All lenders have their own affordability calculators which determine the amount you can borrow for your buy-to-let property, based on what rent you expect to receive.
Speak to us to find out more.
Your Buy-to-Let Partners
Whether you're new to the buy-to-let game or an existing landlord looking to remortgage, we're here every step of the way. From finding the best buy-to-let mortgage deal for you, your property and your investment strategy, to working with your estate agent, solicitors and accountants, our end-to-end support network helps to take the hassle out of the building a buy-to-let portfolio.
Our friendly and dedicated admin team are always on hand to keep you updated at every stage of the application process, chasing for progress so you don't have to!
Setting Up Your Buy-to-Let Business
One of the most important decisions to make before you embark on your buy-to-let journey is whether to purchase the property in your own name or whether to set up a Limited Company to handle your buy-to-let business.
Buying a property through a business can have different implications and tax benefits compared to purchasing personally so it's important that you get the right advice from the off. We work with tax and accountancy experts to help you create the most tax-efficient set-up from day one - it's all part of the service!
Get FREE Buy-to-Let Mortgage Advice
Ready to build your buy-to-let empire? Whether it's your first rental property or you're a long-term landlord, building a property business is hard work. With full support from application to completion and then remortgaging, why not let us do some of the heavy lifting?