Buying a property to generate both income and capital growth has always been a popular investment and is often used to complement or replace a traditional pension.

We have helped many clients develop their property portfolios over the years. For some this started at a simple let-to-buy arrangement where their main residence was rented to finance buying another property. For others, we have structured a limited company with the intention of building a portfolio of investment properties. 

If you are considering buy-to-let, lenders generally use both rental income from the property and your salary to make a decision. A typical deposit is between 25% and 40% of the purchase price and we can help you make sure the lending is affordable.

We encourage all our clients to carry out extensive research before buying an investment property. In addition to researching mortgage options, it’s important to look at the area. Are the transport links good? What are the schools like? Are there bars, cafes and restaurants nearby? You also need to take the on-going maintenance of the property into consideration as well as your exposure to tax.

Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.