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Buy to letA To-let property is a property that you buy with an intention to rent it out to tenants. If you are someone looking to make rentals a source of income and turn it as a business, you could opt for a buy-to-let mortgage. The factors and regulations to avail a to-let property are very similar to your conventional mortgages with very minute differences in certain aspects. Let’s look in detail at what a to-let mortgage is.
Who Can Avail A Buy-to-let Mortgage?Though open to all, a buy-to-let mortgage has some factors that it considers when it comes to the processing and approval of such mortgages. If you have to be eligible to get a buy-to-let mortgage, you need to –
- Invest in a house or an apartment
- Be a landlord with an existing home (either outright or on mortgage)
- Afford a property
- Maintain a good credit score with consistent bill clearances and no outstanding balances
- Have a steady income that can help you repay your mortgage
- Have a significant age span, where the tenure of repayment is well before your retirement
How It Works?A buy-to-let mortgage is very different from your residential mortgage.
- They require a higher deposit (usually 25%).
- They have higher interest rates.
- Their associated fees and costs are higher.
- They are mostly interest-only.