Buy to Let Mortgages in Retirement
Are you looking to take out a Buy to Let mortgage or replace an existing Buy to Let mortgage that is coming to an end? Or are you looking to raise additional funds against a Buy to Let property you already own? If so, we can help.
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We have lenders who would consider you for a mortgage regardless of age, allowing you to run a mortgage to age 95 or beyond. (We have several High Street lenders with no upper age limits at all).
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We can arrange these schemes through either High Street lenders or specialist Buy to Let mortgage providers and we have access to exclusive products* not available directly to the general public.
Buy to Let mortgages are available on either an interest only or capital repayment basis.
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Most Buy to Let lenders will base the maximum loan available on the anticipated rent that your buy to let property will produce, rather than your personal income.
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We have access to lenders who have no income requirements at all.
Many of the Buy to Let re-mortgage schemes available come with a free valuation and solicitors package.
It may be that you are looking to convert your existing residential property into a buy to let and possibly, at the same time release equity from the property to assist in your onward residential purchase (this is called a Let to Buy mortgage).
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We also have access to lenders who would not have a problem if you were looking to rent out a Buy to Let property to a family member, although there would be qualifying criteria with this.​
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We will assist you whether you are a first time landlord or an experienced landlord with a large portfolio of properties, whether you are looking to raise a mortgage on a studio apartment or a 10 bedroom House of Multiple Occupation (HMO).
To discuss your individual situation in more detail or to obtain your personalised illustration with absolutely no obligation, please call us on 01902 765005.
*We are members of several industry mortgage clubs such as PMS, Legal & General, Answers in Retirement (AIR) and via these we have access to schemes not available directly to the general public.