Whether you are new to Buy to Let or an experienced property investor we can help find the right mortgage for you.
With access to the whole of the market and strong relationships with all the key Buy to Let lenders, we are best placed to help you make the most of your investment.
And we make the application process as pain-free as possible, dealing with the paperwork so that you can get on with the day job!
How we work:
Make an Enquiry today to discuss how we can help find the right Buy to Let mortgage for you.
If you are coming to the end of your current mortgage deal and want to keep payments as low as possible then we can help.
At Dovecote Property Finance, we pride ourselves on providing the right advice to all our clients, especially when it's time to review your current mortgage deal. Depending on your circumstances the best advice may well be to switch products with your existing lender.
There are many benefits to rate switching with your current lender including:
After an initial chat, we will research the market and provide details of the options available along with details of the product switch options with your current lender.
Once you are happy to proceed, we will handle all the paperwork for you. If you need help switching your Buy to Let rate call 07764807803 or Make an Enquiry.
If you’re looking for advice for your first Buy to Let mortgage, then you've come to the right place!
With access to the best interest rates and a wealth of experience in arranging Buy to Let finance for landlords, we can make your property investment dreams come true.
Call us to discuss your requirements and we will help you every step of the way including:
Purchasing Buy to Let properties in the name of a Limited Company has become very popular over the last 5 years or so. Ever since George Osbourne announced tax changes for individual landlords back in 2015, We have certainly seen an increasing number of landlord clients look to structure future borrowing via a corporate structure.
The tax changes have been phased in over 4 years from 2017/18 meaning that from this tax year 2020/21, landlords are only be able to claim tax relief on finance costs (including mortgage interest) at the basic rate of 20%. A clear drop in income for higher rate tax paying landlords who could previously claim up to 40% relief.
And so, with the changes not affecting landlords owning properties in a company name, we have seen many landlords looking for Ltd Company BTL finance.
Is a Ltd Company Buy to Let right for you? Your first call must be to a professional tax adviser to make sure it's the right option for your personal circumstances. We can certainly help find you the right mortgage, but we leave the accounting and tax advice to the specialists!
And if you are looking for help with Ltd Company BTL finance then we can certainly help. Whether your company has been set up purely to invest in property or whether it has other trading activities, there is now a wide range of specialist Buy to Let mortgage products available up to 85% Loan to Value.
Click here for a list of FAQs around Ltd Company Buy to Let.
Call us on 07764807803 to discuss your requirements or click on Make an Enquiry.
Do you have 4 or more mortgaged Buy to Let properties? If so then you are a Portfolio Landlord! You're in good company!
Back in September 2017 , the Prudential Regulation Authority advised lenders that new underwriting rules should be applied to portfolio landlords. These new rules mean that lenders must also assess and stress all the properties in the landlords portfolio to ensure that the landlord's business is viable and not under pressure with regard to gearing and rental coverage.
As a result, if you are a portfolio landlord looking for mortgage finance, we would strongly advise that you speak to a specialist broker who can find the right lender for you and help with the paperwork.
Most professional landlords are organised and will have all the information to hand to support a mortgage application. As a guide, you will require the following:
At Dovecote Property Finance we specialise in helping professional landlords with the above paperwork and finding the right mortgage solution. For a free review of your portfolio and help with portfolio Buy to Let finance, call 07764807803 or Make an Enquiry
A house in multiple occupation (HMO) is a property rented out to at least 3 people who are not from the same household but share facilities such as bathroom and kitchen.
If the HMO is let to 5 or more unrelated tenants, then the property must have an HMO licence. Licences may also be required for smaller HMOs and this is dependent on the rules in each local authority.
If you are renting your property to 3 or more unrelated tenants and require a mortgage, it is likely that you will require an HMO Mortgage.
We specialise in HMO finance and have access to all the key lenders in this market.
Multi-Unit Freeholds are simply blocks of flats. A freehold title split into self-contained flats where there are no individual leasehold titles for the flats.
At Dovecote Property Finance, we specialise in arranging Buy to Let finance for blocks of flats and have access to all the specialist lenders in this space.
With mortgages available up to 85% Loan to Value and yields often higher than traditional Buy to Let properties, investment in multi-unit freehold blocks has grown in popularity over the last few years.
We can help regardless of the number of flats in the block. Whether you have a small freehold with a few flats or a large block of student accommodation, we can find the lowest cost mortgage product to meet your requirements. If you need help financing a block of flats call 07764807803 or Make an Enquiry
With more people than ever choosing to holiday in the UK rather than travel abroad, the Holiday Let market could be a sound investment for property investors.
Whether you are an experienced landlord looking to grow your portfolio or whether you have dreamt of owning that picturesque holiday cottage, we can help find the right mortgage for you.
Did you know?
If you are looking to finance a Holiday Let we would love to help. Call 07764807803 to discuss your requirements or click Make an Enquiry and we'll be in touch.
If you're a British expat looking to purchase or refinance a rental property in the UK, then we can help!
The UK property market is a popular form of investment for many expats. With access to all the UK Buy to Let lenders with products for expats, Dovecote Property Finance is best placed to find the right mortgage for your circumstances.
Whether it is your first Buy to Let or whether you are looking to refinance or expand your current property portfolio, having an experienced broker will ensure you get access to the lowest cost finance available to expats.
For advice on all types of Expat Buy to Let mortgage options call 07764807803 or click on Make an Enquiry
Fill out the form below and we will aim to get in touch within 24 hours.
The information you provide will not be used for marketing purposes.
Please refer to our Privacy Notice.
