“I’m passionate about property investment and have a wealth of personal and professional experience in buy-to-lets. My customers benefit from this experience and knowledge far beyond just finding the best rate on their mortgage.”

Buy-to-Let Mortgages

We help first time landlords to make their first purchase and experienced landlords to manage their portfolio.

If you've decided it's time to consider property as an investment opportunity Peppermint is well placed to provide advice and expertise on buy-to-let mortgage requirements and nuances. We work with first-time landlords to get the ball rolling and steer them on a course of sound financial investment in property. Once established and adding multiple properties, we help longstanding landlords manage their mortgage portfolio for maximise gain from their investment.

We can help with:

  • First time buyer BTL mortgages
  • First time / experienced landlords
  • HMO mortgages (House of Multiple Occupancy)
  • Student let mortgages
  • Professional landlord mortgages

If you are struggling to meet lenders' minimum income requirements, we can help with that too.

Buy-to-let hints and tips

  • The minimum deposit for a buy-to-let mortgage is usually 25% of the property’s value (although it can vary between 20-40%).
  • Rental income governs how much you can borrow. Typically this is calculated as 125% of the mortgage payment, but with the recent reductions in tax relief this is rapidly increasing.
  • Lettings agents can help find tenants, manage the property and handle all the contractual stuff - remember to factor in their fees
  • Know your area - research your location and ask about local developments / improvements to the area.
  • If you're going to manage the property yourself, do you live close enough for it to be practical?
  • You'll need to pay tax on any profit you make, so get professional advice if you're not sure about this.
  • You'll need specialist landlords home insurance, this is something I can arrange for you.
  • For BTL Mortgages Explained by The Money Advice Service, use this link - https://www.moneyadviceservice.org.uk/en/articles/buy-to-let-mortgages

The Financial Conduct Authority defines Buy to Let Mortgages under 2 categories: Business BTL (not regulated) and Consumer BTL (regulated). See our small print for more information.