What is Buy to Let? Buy to Let Mortgages Explained
If you’re thinking of buying to let, it’s important to understand how buy to let works and what options and challenges come with a buy to let mortgage.
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If you’re thinking of buying to let, it’s important to understand how buy to let works and what options and challenges come with a buy to let mortgage.
Most BTL lenders will require you to earn at least £25,000 a year. There are some lenders that can provide a BTL mortgage without a minimum income requirement if you follow their lending requirements.
It is possible to rent your BTL property to a family member, but this should be disclosed to your mortgage lender as many lenders have strict regulations for renting to family. Many lenders will require you to get a special Family BTL mortgage.
Family Buy to Let mortgages allow you to let to family members and charge reduced rent, but you will often need a bigger deposit and the affordability assessments are stricter than they are with regular Buy to Let.
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