A buy-to-let mortgage is a mortgage for a property you are going to be renting rather than living it in yourself.

If you rent out your property, you’re a landlord. As a landlord, you can start charging rent to cover your mortgage repayments and the costs of maintaining your property. Of course, there may be profits to be made, too.

Buy-to-let mortgages tend to be more expensive than residential loans. Some lenders don’t even offer mortgages for buy-to-let properties. The majority of the most cost effective loans are “broker only” which means you can only get them through a broker.

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Different to homeowner’s insurance

They’re a lot like standard mortgages, with a few key differences – you need a bigger deposit and if you don’t already have a tenant, you’ll need to prove your property is rentable before you secure a loan

Most buy-to-let mortgages have the option of going interest only, which means that you don’t pay anything off the capital each month, but, at the end of the mortgage term, you repay the original loan in full.

Whilst purchasing buy-to-let properties can be both rewarding and profitable, it does come with a potential minefield of problems if you’re not properly advised.

That’s where Crawford Mulholland come in.

First class
Helenor Brennan

We’ve been using Mark for a number of years now for both mortgages and insurance policies. His knowledge about both is first class and he is so professional at all times. His correspondence is speedy and he is slick at what he does.

Crawford Mulholland are great

“Mark and the team at Crawford Mulholland are great and helped us to navigate buying our first home, getting a mortgage and all of the fun with insurances and budgeting etc with ease. We initially went to see Mark as a bit of a scoping exercise in April, thinking we were maybe a year off getting on the property ladder. Three months later, we have moved into our first home and couldn’t be happier.

Mark was so helpful and obliging with his time; as first-time buyers we had A LOT of questions and it was so reassuring to know we we getting great advice. We couldn’t have been happier with the service we recieved and wouldn’t hesitate to recommend Mark and Crawford Mulholland to friends/family or anyone that’s looking for independent financial advice.”

Sinead Doyle

Helpful, professional and friendly

“I found Sam to be so helpful, professional and friendly throughout the whole process. Couldn’t recommend Crawford Mulholland highly enough.”

Louise Graham

Could not have been more helpful

“Sam could not have been more helpful in getting us the best deal for our mortgage and sorting us out with life insurance. Very quick response to emails and went out of his way to organise meetings that suited us. Would highly recommend!”

Jessica Sampson

How can we help

We can provide advice on whether buy-to-let purchases are suitable for capital growth or rental yield, as well as working with reputable tax advisors, who can provide guidance on potential tax implications. Our experience in this area is second to none.

We have access to a wide range of lenders and so are able to provide clients with a comprehensive service that will give access to the best deals in addition to 100% support throughout the process.

We arrange buy to let mortgages for every type client – from first time landlords to experienced landlords with large portfolios. We’ll work with you to understand your strategy both now and in the future, and find the best deal from our panel to help you achieve your goals

Here’s what one of our recent clients said.

‘Have just completed yet another mortgage with Mark. Yet again, Mark has sorted everything from start to finish whilst giving me great advice and getting me the best deal, all with ease and hassle free for me.’ Gary Armour

If you meet these criteria, give us a call. In just a few minutes, we can go through your details over the phone and give you an indication of the options that are available to you.

Want expert help with a buy-to-let mortgage?

Call us now on 02890 665544 to set up an appointment

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