Upland Road, Thornwood, Epping, Essex CM16 6NJ
For all your mortgage and financial needs call us today on 07903 261 734
 
 




A buy to let mortgage is designed for people who want to buy a property to let out. With having access to the whole mortgage market, Phil Johnson can find the best deal for your circumstances and can also source deals for...
Student Let's
House Of Multiple Occupancy
Buy To Let Portfolio's

Deposit
The deposit you will be required to put down for buy to let mortgage will be typically larger than a standard residential mortgage. The borrower will usually be required to put down at least 20% deposit and normally expected to own their own property.

How much can I borrow?
For buy to let mortgages lenders usually calculate how much you can borrow based on the potential rental income from the property instead of your annual earned income. The expected rental income usually must exceed 125% of your monthly mortgage payments.

Phil Johnson can obtain an accurate borrowing figure based on investment property.


Investment
Like any investment, buy to let comes with no guarantees, but can be more reassuring for those who have more faith in bricks and mortar than the stock market.


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A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.


The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.
Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

Phil Johnson is an adviser with Julian Harris Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority.

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.