Buy to Let Market
Buy to Let has become an important part of many people’s investment planning. In recent years a vibrant housing market has helped many individuals to build their own property portfolio. Disappointing stock market returns and concerns about pensions have further contributed to this trend.
Stirling Partners Finance believes that new entrants to this market should take their time before buying their first property. Owning an investment property carries responsibilities and costs and success is not guaranteed. Carefully selecting a property that has strong income or capital growth potential is a much better strategy than just hoping that the property market will continue to rise.
Finding the right deal
We can help both existing and new investors to find the best mortgage deals using our access to the whole of the market which includes many lender exclusives. We will help you get the balance right between finding the right rate and putting down an affordable deposit.
This sometimes involves using lenders who fund generously based on a property’s rental potential, at other times it may involve using lenders who will take a flexible view on an applicant’s income.
In many instances Buy to Let purchases involve refinancing other property in the portfolio including the main residence. This has to be done carefully to maximise tax efficiency. We are used to working with tax planners to address such issues.
Specialist property
Some property types can be awkward to finance. Examples of this include high rise flats or semi commercial property. We can help you identify the lenders who will consider less mainstream property.
Many people are buying investment property abroad and we can help you locate reliable lending and professional support in this area. Again new entrants should take their time to understand the specific tax and legal implications of buying an overseas property.
In advising you we will look at your position holistically and aim to come up the most competitive solution. We are happy to do this in full partnership with any other professional advisers you have to ensure your overall financial objectives are being met.
Contact Us
Please contact us to see if we can help on 08700 11 33 22 or by using our contact form.
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