Within any mortgage product, you will discover that there are several options to choose from. Securing the best buy to let mortgage deals depend entirely on your individual circumstances. You may already have a property portfolio to display your landlord prowess, alongside a healthy deposit or multiple assets to use as part of the deal. The rates or payment options will vary from lender to lender. Finding the ideal buy to let mortgage deal will depend on your short and long term strategy.
Buy to let repayment mortgages are best suited to those who see their properties as a long-term investment. Similar to a residential mortgage, you will repay the full debt at the end of your arranged mortgage term. This means your monthly repayments are often higher but you should be able to cover it within the rental yield of the property. The best buy to let repayment mortgage deals will depend entirely on your individual circumstances.
Buy to let Interest only mortgages are a professional landlord’s preference. Whilst searching for the best buy to let interest only mortgages, you may find that this option often has lower monthly payments which are very tax efficient. Again, each individual’s circumstances and property will be different. Therefore, each buy to let mortgage deal will differ. You may need to secure an existing property or asset against your new buy to let loan. Whether you choose to go down the repayment route or interest only route will depend on your own strategy.
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