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Buy-to–Let

A buy to let mortgage is a type of mortgage specifically sold to individuals or companies looking to buy property as a form of investment, as opposed to a place to live. If you are interested in buying a property that will be used to rent out, most lenders prefer that you do not finance it with a standard residential mortgage. They will instead recommend a buy to let mortgage.

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Established in around 2013, our business is built on a foundation of dedication and a commitment to our clients.

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Exploring the dynamics of buy-to-let mortgages:
costs, rates, and deposit considerations

Typically, buy to let mortgages are more expensive than standard mortgages. For the most favorable rates, the lender may also require deposits of between 25% and 40%, although we do have access to some lenders who will consider deposits as little as 15%. Speak with our team today to find out more information on how we can help you.

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Navigating complexity with expertise: your tailored buy-to-let solutions

Buy-to-let can be very complex which is why, our seasoned professionals have a deep understanding of the real estate market. We provide personalised advice to help you make informed decisions. As well as this we understand that each investor has unique goals and constraints. Our Buy-to-Let service is not a one-size-fits-all solution. We work closely with you to tailor our offerings to align with your investment strategy and financial objectives.

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What our clients say about us

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Ross and his team at Jubilee Finance are 1st Class. His knowledge is excellent, attention to detail and customer service is fantastic. I would not hesitate to recommend him for any mortgage need.

Ian Jessop

26/10/2023

Exceptional service! Jubilee finance went above and beyond to secure the best deal for me. Their expertise, responsiveness, and professionalism made the entire process smooth and stress-free. Highly recommended!" ⭐⭐⭐⭐⭐

Kevin Earp

10/10/2023

FAQS
Get the answers you need quickly

I would like to invest in a rental property, is this something you can help with?

Certainly! We specialise in assisting individuals like yourself in investing in rental properties. Our expert professionals can provide personalised advice and tailored solutions to align with your investment goals. Feel free to contact us to discuss your specific needs and explore how we can assist you in your journey into property investment.

How much deposit would I need?

The required deposit for a buy-to-let property typically ranges between 25% and 40%. However, we have access to lenders who consider deposits as low as 15%. The specific amount depends on various factors, and we can provide personalised guidance based on your financial situation. Get in touch with us to discuss your requirements to determine the most suitable option for you.

Can I rent out my residential property?

Yes, you can rent out your residential property. However, it’s essential to check local regulations, homeowners association rules, and mortgage terms to ensure compliance. If you have any specific questions or need guidance on renting out your property, feel free to ask!

What is an EPC?

An EPC (Energy Performance Certificate) is a document that assesses the energy efficiency of a property, providing information on its environmental impact and suggestions for improvement. It is required for most properties when they are built, sold, or rented.

What is an HMO?

An HMO (House in Multiple Occupation) is a property rented out by at least three people who are not from one ‘household’ (e.g., a family) but share facilities like the bathroom and kitchen. HMOs often require specific licenses and must meet certain safety and management standards.

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What can we help you with?
Discover how we can benefit you today

Residential

A residential mortgage is simply a large loan meant to help you, the borrower, to purchase a home. Find out more information and get in touch with us today.

Expat Mortgages

For property finance needs in the UK while living abroad, whether for buy-to-let or remortgage, you'll need to rely on an ex-pat mortgage broker to secure the right deal.

Second Charge

A separate and additional mortgage to the homeowner’s main (or first) mortgage. Find out more information and get in touch with us today.

Need some expert advice?
Give our team a call today!

Feel free to reach out to our dedicated team today through the convenience of a phone call or email, or if you prefer, you can also take advantage of our user-friendly contact form located on our website’s dedicated contact page for a prompt and efficient response.

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A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Most forms of buy-to-let mortgage are not regulated by the financial conduct authority.