Low Rental Coverage.

Get finance for your buy to let. Talk to the experts. 

 

Find out whether you are eligible for a mortgage within 2 minutes. 

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25 Years 

Experience.

20  

Approved.

80,000+ Satisfied Customers

Low Rental Coverage Mortgages.

Why use us?

Experts in BTL mortgages.
Fast Service.
95% of applications accepted.
Access to specialist lenders.
No mortgage, no fee.

Process

 

We will be in touch to seek further information about your case and discuss options available to you. 

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Mortgage Offer

 

Experienced administrators work with you to provide the lender with all the details required to obtain a mortgage offer.

The Process For Your Mortgage.

Enquire
 
Complete our 2 minute mortgage availability check.
 

3 Simple Steps.

1

How it works and what you need to know:

How much can be borrowed?

If the property has a rental income of £1000 per month, the calculator will produce a loan of between £175,0000 and £275,000, dependant upon the length of fixed rate. Many choose a 5 year rate to maximise borrowing. The other significant factor is the amount of borrowing as a percentage of the property value. Whilst 80% of the property value is available, 75% provides a better rates. The less you borrow, the lower the rate.

Rental cover calculations

These vary from lender to lender and expert advice is needed to evaluate the options lender look at borrowers tax band and available income to service the mortgage. They also consider the product requested and the loan as a percentage of the property value. Specialist knowledge and computer systems are helpful in negating these calculations.