Buy-to-Let Advice. 

Buy-to-Let Advice. 

Let's start your property portfolio. 

Buying property to rent it out to a third party can be a solid investment. That is the main reason people start a property portfolio, particularly when interest rates are so low and you would otherwise get little return on any savings. There are risks attached, of course, just like with any investment, but taking sound advice and gathering all the facts and figures will help you decide if it’s the right path for you and your money. 
If you are considering buying a property with the sole purpose of renting it out, you will need a specific Buy-to-Let (BTL) mortgage. The process of securing a BTL mortgage is similar to that of a standard mortgage, where the lender will require a survey and consider your ability to make the repayments. But they will also take into account how much rent you are likely to receive. 
Rules and regulations surrounding Buy-to-Let are constantly changing. There are fewer tax benefits now than in previous years for landlords and you need to consider this. Reeds Financial can guide you through the current BTL market and with access to whole of market BTL mortgages, we can find the right deal for you. We would recommend speaking to us before you start looking at potential properties, just to make sure you have all the relevant information. 

Want expert advice right now? 

Speak to one of our friendly mortgage advisers now on 0330 128 0989

Why Us. 

Why Us. 

We are for every person looking to buy a property. No property is too big or too small and our expert team can arrange mortgages for all kinds of buyers – first time buyers, Buy-to-Let, the self-employed and freelancers, commercial landlords and property investors. 
We understand that the mortgage world can be a minefield. So we keep things clear and jargon-free. Your mortgage is a hefty investment and we want you to know what you are signing up to, how much it’s going to cost you and exactly what is involved in the whole process from the minute you find your ideal property. 

Getting the Right Advice. 

Getting the Right Advice. 

You can find pretty much anything you want online and a mortgage is no exception. But you won’t have access to the same rates and deals we can see, from every lender out there. And you’ll have to spend hours of your own precious time wading through comparison sites, questionnaires and forms with no guaranteed positive outcome. 
A quick fact-finding conversation with us will allow us to thoroughly understand your needs and objectives. We will then put the mortgage wheels in motion, getting your mortgage application in quickly so you don’t lose out on your property. You are our number one priority and we’re not affiliated to any lenders, so you know we’re working to get the best deal solely for you. 

What Our  Customers Say. 

What Our Customers Say. 

Here are a few ways we have changed our customers’ lives. 

Frequently  Asked Questions. 

Frequently Asked Questions. 

Read through our frequently asked questions below and dive into our myth-busting guides to have a better understanding of what we do. 
 
There are several reasons why people become landlords. Investing in bricks and mortar can bring very good returns, especially long term. Some people have property portfolios with several properties and become professional landlords. Some generous parents buy with a view to providing their children with somewhere to live and to start them on the property ladder. Rental holiday homes can also be Buy-to-Let. It is vital to be aware of the risks involved in any kind of property investment, and be sure to seek professional advice before undertaking any such financial commitment. 
 
A mortgage is a loan from a bank or building society for a set period of years. You borrow the amount you need to buy the property, less your deposit, and agree to repay it over a set term, usually 25 years. At the end of the agreed term, the property will be yours. 
 
The same costs apply when you purchase a Buy-to-Let property, in terms of fees, searches and surveys. Stamp duty is 3% higher across all thresholds, unless you are a first-time buyer. Landlords also have to pay income tax on any rental income (less various allowed costs) and will probably have to pay capital gains tax on the eventual sale of the property. So there is a lot to consider before deciding if BTL is the right investment for you. 
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 
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