You’ve found the rental property you want. The big question now: how much mortgage deposit do you need? For most buy-to-let mortgages, it’s 25%. A handful of specialist lenders offer deals at 20%, but these typically come with higher rates and stricter checks. In reality, 25% is the figure you’ll see again and again. How
Lowest Deposit Buy to Let Mortgage – What You Need to Know Read More »
People often get confused between Let-To-Buy and Buy-To-Let mortgages, but their unique differences are vital if you’re hoping to step into or navigate property investing more successfully. These two different types of mortgage options each cater to different scenarios while both serving one goal – property investment or simply put letting out your property. This
What’s a Let To Buy Mortgage and Am I Eligible? Read More »
So, you have been living in your home for a few years but your circumstances have now changed. Perhaps you have a job move out of the area, you’re moving in with a new partner or you are going traveling or moving abroad for a couple of years. You decide you don’t want to sell
Getting Consent To Let: Can I Let My House Out? Read More »
In 2026, buy-to-let is still a worthwhile investment if you buy carefully and know your numbers. With rising mortgage rates, tighter lender criteria and narrower profit margins, there is no room for guesswork. That’s why remortgaging carefully is essential to protect your investment. When remortgaging your BTL property, it’s important to look beyond the rate
What should I consider when remortgaging my buy-to-let property? Read More »
Perenna Mortgages Reviewed YesCanDo Money is delighted to present Perenna, a pioneering mortgage lender reshaping the home financing experience. Perenna’s unique mortgage offerings, especially the ‘Fixed for Life’ mortgage, provide unparalleled stability and flexibility for homeowners. Get started Ask a question Trustpilot What’s Covered Below Add a header to begin generating the table of contents
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Navigating the mortgage landscape as a contractor or subcontractor in the construction industry can be complex. The Construction Industry Scheme (CIS) offers a unique pathway tailored to your financial situation. This guide provides a detailed understanding of CIS mortgages, explaining the benefits, eligibility criteria, and the process of applying. Understanding CIS Mortgages Getting a mortgage
CIS Mortgage: A Guide for Construction Scheme Workers Read More »
Navigating the complex world of remortgaging can be daunting for self-employed individuals, so this guide aims to demystify this process and equip you with all of the knowledge and tools required for finding an optimal mortgage deal tailored to your unique circumstances. Understanding Remortgaging Before diving deeper into the process of renewing your self-employed mortgage,
The Ultimate Self-Employed Remortgage Guide Read More »
Interest-only buy-to-let mortgages have long been an attractive choice among landlords and property investors in the UK, offering low monthly costs that allow landlords to maximise rental income on their investments. Buy-to-let mortgages that offer interest-only options have their own set of advantages and drawbacks that should be explored prior to making property investment decisions.
Understanding Interest-Only Buy-to-Let Mortgages Read More »
In the UK, obtaining a mortgage as a self-employed person might be difficult, particularly if you plan to buy a house soon. It’s critical to comprehend the procedures required to improve your chances of obtaining a self-employed mortgage in 2023, given the shifting economic environment in 2021 and the upcoming changes to the mortgage market
How Does Self-Employment Qualify For Mortgage Eligibility? Read More »
Stamp duty on a buy-to-let property is typically higher than on a residential property, so this is one cost you will need to consider before purchasing a rental home. In this guide, we will consider the costs attributed to buy-to-let stamp duty and let you know if you’re exempt from paying it. We will also
Buy to Let Stamp Duty Read More »
If you’re a landlord with multiple properties you may be in need of a portfolio mortgage and not realise it. Portfolio mortgages are only available to landlords with four or more properties. If you have fewer properties than this, you won’t be considered eligible. In this guide, we will go into further detail about portfolio
Portfolio Mortgage advice for Landlords Read More »
You’re not ruled out from getting a mortgage just because you’re self-employed. However, the way that you prove income is a little different from that of people who are paid by an employer. People in part or full-time employment will be asked to provide their payslips and P60s as evidence of their income. If you’re self-employed,
Self Employed Mortgage 1 year accounts Read More »
If you’re considering applying for a self employed mortgage soon, it’s wise to pull together all the paperwork needed before you make your application. This will speed the process up so if you are accepted for a mortgage, you will be able to go ahead with your property plans sooner. Is this something you will
SA302 Mortgage Tax Calculation Read More »
Being your own boss is great, right? You can determine your work hours, take time off when you need to, and have more say on what you do each day, without an employer dictating their requirements to you! It’s the dream! Okay, so we know that being a self-employed business owner is not that simple
Self Employed Mortgages Explained Read More »
Getting a mortgage as a company director should be no issue at all. It’s our mortgage adviser’s experience that issues arise when the wrong mortgage lender is chosen for your pay structure. Getting a mortgage for director of limited company Yes, you can get a mortgage as a limited company director. However as is the case
Mortgage for Limited Company Director Read More »
Are you thinking about changing your residential mortgage to a buy to let mortgage? Change to a buy to let mortgage This might be something to consider if you want to purchase another property to live in but still keep your existing house for the purposes of a rental income. You might also consider the
Switching to a buy to let mortgage Read More »
If you’re looking for a way to boost your income, purchasing a property with the intention of letting it out could be for you. Provided the house you buy and the surrounding location are acceptable to renters, you could make an additional income from your investment property. You will still need to pay income tax,
Buy to Let vs Residential Mortgage Read More »
You can make a sizeable rental income from the monthly rent you receive from a buy to let property so getting a buy to let mortgage might be something you’re interested in if you’re keen on making your real estate fortune. As there is a constant demand for housing from people who prefer to rent
The minimum age for buy-to-let mortgages Read More »
