Below we have a selection of informative videos on buy to let. Please feel free to watch at your leisure to learn more about buying to let and about the current mortgage market. To watch a video, simply click on the thumbnails below.
People who take out buy to let mortgages are likely to see favourable market conditions throughout the year, according to Landlord Assist.
The tenant referencing company indicates that the continued low interest rates along with the increase in buy to let products from lenders has seen many buy to let investors return to the market place to expand their portfolios.
Graham Kinnear from Landlord Assist notes that "investors have taken advantage of weak prices and strong rental returns over the past year and with the base rate unlikely to increase anytime soon the good news for landlords is that they can enjoy the favourable conditions for sometime yet."
This is likely to tempt more people with the required finances in place to opt for buy to let mortgages, as would-be first time buyers are having to stay in rented accommodation longer due to the deposits required on properties often being out of their reach.
Graham Kinnear adds that "with the rented sector predicted to represent 25 per cent of housing stock over the next few years", therefore expanding portfolios or taking a first dip into the buy to let mortgage market "could be an ideal long term investment".
For more information on buy to let mortgages visit ocean finance.co.uk or call us on 0800 916 9144.
Last year saw the number of first time buyers fall, despite houses becoming more affordable, something which may lead to landlord mortgages increasing.
The Halifax has found that the number of FTBs dropped to 187,000 in 2011, compared to 568,200 ten years previously. This is despite the lender finding that affordability for the sector is at an eight-year high, particularly in the north of the country.
The reason for the reduction in FTBs maybe due to the fact the average house deposit last year was £27,000 (£27,032) whereas the average deposit in 2007 was just £17,482.
Data from Hometrack suggests that house prices declined by 2.1 per cent throughout 2011, which could lead to an increase in landlord mortgages, as properties become more affordable and would-be first time buyers find that they have to wait longer to build their deposit.
With analysts not expecting the Bank of England to raise the 0.5 per cent base rate, for some time, landlord may see the mortgages rates for Buy to Let mortgages stay favourable for the foreseeable future.
To see if you can be part of the Landlord mortgages increase for buy to let properties contact Ocean on 0800 916 9144 or visit us at oceanfinance.co.uk.
Whether you already have a portfolio of properties or you are considering entering the landlord buy to let market for the first time, Ocean Finance can help you to secure the funding that you require.
And now could prove to be an optimum time to buy properties for rental purposes, as demand is high, resulting in higher rents and yields. This demand for landlord buy to let properties could have come about as a result of the recession, as one of the reasons for the credit crunch may have been lenders providing finance to people who would struggle to pay it back. Perhaps because of this, lenders have now gone the other way and are now being very careful about who they lend to.
Whilst the Bank rate has helped keep mortgage rates relatively low, many people have been unable to take advantage due to the large deposits being asked for by lenders. These are often beyond the means of first time buyers, who may only have been saving for a matter of years after leaving education and do not have access to the tens of thousands of pounds necessary to secure a property.
One option is for loans from relatives, but people lucky enough to get these are in the minority in more cases, people feel they need to stay in rented accommodation for extended periods of time and as a result people are not buying their own property as quickly as in the boom years.
This is where the landlord buy to let market can come in, be it people who already have other properties on their books or those who have seen that there is a demand for rented homes and feel as though they could afford the investment.
Before taking the plunge though, first-time buy to let landlords need to make sure they fully investigate the market and ask themselves a number of questions. Once you have taken the time to find a suitable area that is near amenities, you need to see what kind of residents live there is it mainly young professionals, students or families? This can affect what kind of finish you give the property functional, cutting edge or child-friendly how much you could charge in rent.
Having considered all of your options, you can visit Ocean Finance's website at OceanFinance.co.uk and fill in the quick and easy online form. It shouldn't take you long and all you need to give us are some basic details, as well as letting us know how much you are looking to borrow.
We can then use this data to look at our landlord buy to let products for you. We will consult our panel of lenders, which allows us to look through many deals, including some that may only be available to intermediaries like ourselves, so you might not be able to find them on the high street.
We will present you with a landlord buy to let product on a no-obligation basis, meaning that you can decline it if you think it isn't right for you. However, if you accept the deal, we will send you the relevant forms to sign and once we get them back, our own staff will arrange for your application to be processed and your landlord buy to let mortgage funds to be released.
To find out more about getting landlord buy to let products from Ocean Finance, call our helpful team for free on 0800 916 9144 or visit OceanFinance.co.uk.
With rental demand at a high, people who want to enter the buy to let market or increase their current portfolio may want to look into the options on offer for mortgages for landlords.
The recession has seen many houses reduce in value, whilst the Bank of England has maintained the record low base rate which has helped maintain low mortgage rates for consumers. However, many people have been unable to take advantage of these positives due to tightening lending conditions.
Lenders are more careful about who they lend money too, meaning that those looking to purchase a property generally need a higher deposit than they did during the boom years of the mid-2000s. Younger first time buyers are amongst those finding these conditions tough, as they haven't had time to build up their savings to a level that will allow them to purchase a property, meaning they need to stay in rented properties for longer.
However whilst first time buyers have found purchasing property a lot more difficult, there has been an increase in Landlord Mortgages also known as Buy to Let Mortgages.
Mortgages for landlords allow people to buy a property and rent it out, rather than live in it themselves. And whilst rental demand is high, it could prove to be a worthwhile, as when the housing supply struggles to keep up with the number of people needing a home, rental prices can increase.
Before deciding on mortgages for landlords, there are a number of things to consider, such as the area that you want to buy into are there plenty of amenities like shops and transport links? What kind of community lives there already families, students or young professionals? And is there a demand in that particular area which can bring in a decent rent?
All these factors and more need to be thought about, as they will help you decide whether you want to buy a property in that area and what type of property you wish to purchase large houses are useful in student areas, as you can rent them as properties of multiple occupancy and leave them with a functional finish, whilst if the location is full of 20-somethings, you might find the best yields come from one- and two-bed apartments that are finished to a higher standard.
Once you have made the decision that you wish to explore the options of mortgages for landlords, you may wish to come to Ocean Finance. As a mortgage broker Ocean have access to a wide range of products from their lender panel, which can include intermediary-only ones that are not available on the high street.
We won't leave you confused by all the choice though once you have given us a few details about the mortgage you require, we can review our lender panel to find an offer which will fit your requirements. This will be presented to you on a no-obligation basis, so if you're not happy with it, you can turn it down at no cost to yourself.
However, if you're happy with the deal that is on the table, our own staff will arrange for your application to be processed once you sign the forms and return them to us.
To find out more about mortgages for landlords, call us for free on 0800 916 9144 or visit OceanFinance.co.uk, where you can fill in the short online application form.
Buy to rent loans can serve a number of functions for applicants, whether they're aspiring landlords or they already have a significant portfolio of properties.
For those who are new to the market, buy to rent loans can be used to purchase a rental property and the current climate certainly supports this course of action.
Since the credit crunch, lenders have been more stringent with their lending criteria, meaning it has been more difficult for some potential homebuyers to get their foot on the property ladder. As a consequence, more people are staying in rental properties, which is increasing demand.
As such, rents have gone up as it has become more of a sellers' market, meaning that it could be a good time to look into buy to rent loans so that you can purchase a property and benefit from the greater yields on offer.
Of course, current landlords can also benefit from buy to rent loans. As well as buy to rent loans for property purchase, they can use them to remortgage one or more of their current portfolio in order to either review their current mortgage product or release the equity that has built up within their property.
If landlords pursue these kinds of buy to rent loans, they could use the money for practically anything treating themselves to a holiday or car, carrying out improvements on their own home or those of some of their tenants which could result in charging more rent in those properties or even to use as a deposit as they look to expand their portfolio. They could also gift the lump sum to allow a member of their family to put down a deposit on a home of their own.
So there are many reasons why you may pursue buy to rent loans and there are a number of products you can pick from, but what is the best way?
Whilst you may consider direct lenders to be the obvious option, they only offer their own deals, which make up a fraction of the market, so you may not be able to find the deal for you. Another option is comparison sites, which may offer you a wider range of buy to rent loans, but you are left to make the decision by yourself and you may not meet the lenders criteria.
That leaves you with a finance broker, like Ocean Finance, who can review their lender panel and can make an offer that you qualify for.
The process of obtaining a buy to rent loan isn't a difficult one either simply visit OceanFinance.co.uk and take five minutes to fill out our quick online form. A dedicated underwriter will review our lender panel to find a deal for you not only will they search through the direct lender products, but also the deals that are only available via intermediaries.
You will be presented with an offer which you are under no obligation to accept you can walk away at this point without the process having cost you a penny.
However, should you accept the buy to rent loan on offer, we'll send you the paperwork to check and sign, and once it has been returned to us, our own team will arrange for your application to be processed.
To begin your buy to rent loans enquiry today, visit OceanFinance.co.uk or call for free on 0800 916 9144
Now could be the time for people to consider buy to let mortgages, after it emerged that rental yields rose in the three months to October 2011.
The latest survey from the Royal Institution of Chartered Surveyors (RICS) shows that over the period, 15 per cent more of its members reported rental yields going up than going down the seventh consecutive quarter of increases.
The organisation notes that these results reflect the "imbalance between rental demand and supply which is continuing to push rents higher". The poll also reports that 19 per cent more surveyors reported rents rising rather than falling over the quarter.
London has experienced the fastest increase in rents, whilst rises in other regions of the UK have been more modest. Looking ahead, 25 per cent more RICS members expect rents to continue their upward path in future months.
You wouldn't be alone if you started considering buy to let mortgages, as the Residential Lettings Survey notes that new landlord instructions increased by a net balance of 10 per cent in the three months to October.
RICS spokesman James Scott-Lee notes that "the imbalance between demand and supply for rented property suggests that for the foreseeable future, landlords will have a good if not increasing return on their investments in comparison with other main stream options".
For more information on the options available on Buy to Let Mortgages from Ocean Finance call on 0800 916 9144 or visit us at oceanfinance.co.uk and choose the Buy to Let tab.
By investing into the Buy to Let market and landlord mortgages, you could benefit from the rental market that is emerging.
In 1995, the Association of Residential Letting Agents (ARLA) introduced buy to let, as before that time, people wanting landlord mortgages had to take out a commercial product, which may not have presented them with as many options. The 1988 Housing Act, gave people more say about who stayed in their rental properties, leading to the mid-90s seeing massive growth in the buy to let sector.
The demand for landlord mortgages still exists today, as low interest rates make the products more appealing, whilst the deposits for buy to let properties are more affordable.
Potential landlords and those with a portfolio of houses with landlord mortgages already are also being boosted by the fact that first time buyers are struggling to save a deposit to purchase a property, meaning that they need to stay in rental properties for longer.
As a result of more people opting for rental properties, rental prices are at high levels, producing impressive yields for those thinking about looking into landlord mortgages.
Before you arrange any landlord mortgages, you should to research the market where you want to make your house purchase see estate agents, check local papers and perhaps even speak to the local authority so that you can gauge if there's a rental demand and from what kind of customer is it families, who may want two-to-three-bedroom properties with outdoor space? Is it young professionals who ideally want to live centrally, so don't mind a studio or one bedroom flat? Or is it students who want to be near traditional student areas and university facilities, and may not need the properties to be to the highest specification?
Once you start identifying properties that you could buy with a landlord mortgage, you need to bear in mind that they will need to appeal to would-be tenants, not would-be purchasers, so you need to go in with your business head on, rather than turning down perfectly good properties because there's some aspect that you personally are not that keen on.
With your buy-to-let property discovered, you need to look for a landlord mortgage, which is where Ocean Finance can help. As we are a finance broker we have a range of lenders available, including intermediary-only offers that you will not be able to find on the high street.
To begin the process, simply come to OceanFinance.co.uk and take five minutes to fill in our short application form. All we need to know is a few basic details, like name, address and a little about the property you want to purchase. Once submitted, the details will be used by one of our dedicated underwriters, who will use their experience to consult our panel of lenders to find a suitable product for your situation.
You'll be presented with an offer which you do not have to accept as it's presented in a no-obligation manner and all quotes are free. However, should you wish to proceed, we will send off the necessary forms for you to check, sign and return to us via freepost.
Our staff will process your application for you and arrange for the money to be released, in order to make the process as efficient as possible, so to start the ball rolling, contact Ocean to discuss landlord mortgages call 0800 916 9144 or visit OceanFinance.co.uk.
The third quarter of the year saw an increased demand from tenants for rented property, which has seen more people looking to enter the buy to let property market and search for buy to let mortgage products and providers.
One of the UKs leading buy to let mortgage providers (Paragon) has indicated that between July and September, more than four-in-ten (44%) landlords indicated that tenant demand had increased, with just four percent noticing a decline in enquiries for their properties.
Unsurprisingly, rental income remained healthy during the quarter, with a third (34%) indicating an increase, and a tenth (11%) noticing an increase of between two to four percent.
Nigel Terrington (Paragon's chief executive) notes that the increase in demand "is perhaps not surprising considering the current squeeze on the UK housing market as a whole".
Around half (49%) of those polled reckon that the rise is poised to continue and that has tempted more would-be landlords to seek out buy to let mortgage providers for the first time, according to another leading buy to let mortgage provider Kensington.
The lender points out that the majority of brokers (70%) it has contacted have reported that more than a quarter of their enquiries have come from people who are looking to make their first property investment.
Buy to let mortgage providers, Paragon, have indicated that there is a growing trend for families to be moving into the private rental sector.
This comes after the firm recorded that of the landlords who are looking to buy during the third quarter of 2011, two-thirds are aiming for family-friendly properties, with 41% looking to buy semi detached houses, whilst 22% want to add more detached homes to their portfolio.
The buy to let mortgage provider indicates that it's a fallacy to believe that rented properties are primarily the preserve of young couples, professionals and single people.
Whilst over half of landlords do rent to these sectors, a surprisingly high 45% rent to families.
Nigel Terrington is Paragon's chief executive, and he notes that "over the next few years, we will see more families making use of the flexibility and affordable accommodation that the Private Renting Sector provides".
He also adds that with the country's population expected to hit 65m in 2016, we "need to react quickly to a changing tenant demographic, as otherwise, demand will most certainly exceed supply quite considerably".
If you are considering purchasing a buy to let property or re-mortgaging your current buy to let property contact Ocean to access their wide range of buy to let mortgage products. Call 0800 916 9166 or visit OceanFinance.co.uk.
Prospective landlords may want to consider making the purchase of a buy to let property a reality after it emerged that the average rental yield on properties increased last month.
LSL Property Services has revealed that between May and June 2011, rents in England and Wales went up by 0.7% on average to reach £701. This represents a £28 or 4.1% increase on June last year.
As a result of rents continuing to rise and house prices diminishing, there has been a positive effect on yields, which reached 5.2% in June, up from 5.1% the month before.
Landlords may want to look into the buy to let mortgage rates in the capital, after the figures showed that London prices past a barrier of their own in June - the average rent is now in four figures (£1,006) for the first time ever following an annual increase of 6.9%.
David Brown from LSL remarks that "tenant demand continues to reach ever higher peaks - and there simply isn't enough rental property coming onto the market to match it."
To benefit from the current boom prospective landlords may want to consider making a purchase in the hot spot areas of London, the North East and the West Midlands.
Ocean does not provide investment advice so you should take independent financial advice if you are thinking about investments.
Once you need to arrange a mortgage to finance a buy to let property, or if you are looking to remortgage an existing property to raise the funds to do so, why not call Ocean for free on 0800 916 9185 or enquire via our website at www.OceanFinance.co.uk.
More people could be looking for competitive buy to let mortgage rates after an expert predicted that the number of investors will increase as renting out property provides a stable and low risk venture in the post recession economy.
Independent property specialist, Malcolm Harrison has stated that "there will be people whose careers and ability to make money has not been impinged by the crash. They will be looking for investments and the advantage of property investment is the same as it always was."
Mr Harrison adds that people who had their fingers burnt previously shouldn't be put off seeking out a good buy to let mortgage investment, but they should appreciate that it can take around a decade before they can judge whether a property investment has succeeded or not.
Michael Coogan is the director general of the Council of Mortgage Lenders (CML), and he's also confident that buy to let mortgage providers will see more business in the future.
He remarks that "demand for rental property remains strong, and as more funding becomes available [the industry] would expect to see buy to let lending increasing."
Why not contact Ocean to find out more information on the buy to let mortgage and remortgage options which they have available through their lender panel.
Students offer landlords the best potential yield, (that is the highest annual rental income as a percentage of the property's value) according to leading buy to let mortgage providers Paragon.
The firm indicates that people taking out deals for rental properties would do well to target properties in university-adjacent areas, as letting to students can return an average yield of 6.45% - the highest of any group of people.
Nigel Terrington from Paragon explains that "student yields typically outperform the wider market because they are let on a per room basis, which can generate higher rental income."
However, the chief executive of the buy to let mortgage providers adds that "on the downside, they tend to require a higher degree of maintenance, so landlords have to factor that cost into their overall business models."
Young single people also offer good yields, as do retired people, with potential returns of 6.22 and 6.16%, respectively.
Paragon also indicate that landlords looking to find a property to rent out could find the West Midlands to be a more profitable location, as the potential yield in this region is the highest in the country at 6.5%.
Yorkshire and the Humber also offer good value at 6.4%, but Central London would be the least profitable area with a potential yield of just 5.5 %.
Landlords have been able to increase the rents they charge, according to buy to let mortgage providers Paragon.
The firm has revealed that three-in-ten (29%) people and companies that rent out properties have seen their income go up during the second quarter of 2011.
However; there is a clear difference between the results from smaller scale and professional landlords. Nearly one in five smaller scale landlords (19%) reported rising rental income during the quarter.
For professional landlords, however, it is a different picture, with almost a third (32%) saying their rental income had increased in the first quarter.
Nigel Terrington from Paragon indicates that the increases have been a direct result of continued demand for rental properties, as people bide their time before climbing onto the property ladder.
He notes that "demand for privately rented property shows no sign of slowing down with four out of ten landlords believing that tenant demand is either growing or 'booming', and will continue to do so for the next 12 months."
However, he adds that more buy to let mortgage providers needed to step up to the plate to ensure that the funds are available to landlords so that they can expand their portfolios and make the most of the increasing rental prices.
If you are considering either buying a property to rent out or remortgaging an existing property you live in or own, why not contact Ocean.
Ocean have access to many buy to let products from a range of lenders on their panel and can even provide you with a no obligation quote for you to consider.
Whilst many people will be aware that you can refinance or release equity from your own home, did you know that you can remortgage buy to let properties too?
Don't let the fact that you don't live there fool you - you still own the property, so you can remortgage it for any legal reason you see fit, much as you would do with your own home.
It doesn't matter if you have a vast portfolio of properties or you just have a small flat that you rent out, you could remortgage buy to let properties for a number of reasons.
Perhaps your current mortgage fixed or discounted rate is due to expire - unless you act, you could be transferred to your lender's default variable rate, which may result in your monthly repayments increasing.
Remortgaging can also release equity from within your property, the proceeds of which you can spend on virtually anything, be it improvements to your rental home which could enable you to increase the amount of rent you charge or you could make improvements to your own property which you live in.
The capital released could also be used for a holiday or new car for yourself.
You can also remortgage buy to let properties to raise capital in order to pay off your existing unsecured debts and consolidate what you owe into one monthly repayment, which could improve your cash flow by reducing your expenditure each month. Bear in mind that by increasing the term over which you pay back your debts could increase the amount of interest you pay overall.
Whether you have just stepped into the rental market or if you have a range of buy to let investment properties’, buy to let remortgages are a useful tool for any landlord who wants to maximise the potential of their portfolio.
Ocean has years of experience of helping clients get the best remortgaging deals, so coming to us can help make the process a lot simpler for you. Essentially, there are two reasons for a remortgage – firstly once you come to the end of your current mortgage deal, rather than transferring to your lenders standard variable rate which may increase your monthly repayments, you could arrange a fixed or discounted rate product which may reduce your repayments or provide the stability of knowing they will not increase for a set period of time.
The second common reason to remortgage is to release capital through the equity within your property to spend on other things, so you could treat yourself to a family holiday, buy a new car, make home improvements or use the money to consolidate any other outstanding debts and ease your cashflow.
Both of these options are often available to you with buy to let remortgages, but you will be using the property you rent out as security, rather than the property you live in. If you're looking to utilise the equity that has built up in your buy to let property, you may choose to use the money raised to refurbish the property, which may mean you being to increase the rent tenants will pay to live there.
In addition any lump sum that's released as a result of arranging a buy to let remortgage could be put towards the deposit for another buy to let investment property, particularly if your current one has worked out to be a profitable venture for you.
One of the key things to consider before looking into buy to let remortgages is whether or not the current rent paid on the property will cover the new repayments. If you are remortgaging to get a better deal, this shouldn't be a problem – in fact, if your new product allows you to make lower repayments, this could provide a greater return for you each month.
However, if you are remortgaging to release additional from the property you will be increasing the amount you are borrowing and, potentially, the monthly repayments, so you need to be more cautious and ensure you do your calculations beforehand.
One of the best ways to make sure that you don't overstretch yourself by taking out buy to let remortgages is by talking to the experts here at Ocean. As well as having years of experience of providing remortgages, we have a large range of buy to let remortgages, so you should be able to find a product that suits your circumstances. If you are considering investments and are in any doubt as to what you should do, you should seek independent financial advice.
If you are happy that you want to look into buy to let remortgages, Ocean are able to offer Buy to Let Remortgages from £10, 000 and up to 85% of the value of the property.
What's more, Ocean will consider all applications, even if you have a less than perfect credit history. To find out more and get a no obligation quotation, check out our website at www.OceanFinance.co.uk or call Ocean on free phone 0800 916 9185.
Green deal could benefit tenants and buy to let mortgage holders. The government's Green Deal could provide benefits for both tenants and people with buy to let mortgages, according to the secretary of state.
Chris Huhne indicates that the scheme "is a win-win opportunity", as it removes the upfront cost of improvements for landlords and reduces fuel bills for the people who they rent to.
The energy secretary made the announcement as he confirmed that from 2018, landlords won't be able to rent out homes which are draughty or energy inefficient, so anyone getting a buy to let mortgage now would be wise to take notice of the scheme.
The first Green Deals should be available in the autumn of 2012 and will enable landlords and homeowners to apply to have double-glazing, insulation and other energy efficiency measures introduced into their homes.
The cost isn't paid back directly, but instead will be added onto energy bills, which should have decreased due to the measures taken.
However, the repayments will always be smaller than the saving, so that there is still an overall benefit.
Even if you sell your buy to let property, the repayments will still be made by the next owner, as the Green Deal is related to the house itself, rather than who owns it or who lives there.
Ocean offers remortgages for both homeowners and buy to let properties, for more information contact them today.
Britain's next generation could become a nation of renters, which may encourage more people to look into purchasing a buy to let property.
The Halifax has discovered that, three-quarters (75%) of people who do not own their own home still aspire to purchase a property to live in, whilst almost half (46%) of 20 to 45 year olds think that renting will soon become the norm, as it is in Europe.
Additionally, the survey found that a so-called 'generation rent' is emerging, as two-thirds (64%) of non-homeowners believe that they have no prospect at all of actually buying their own house.
Three in five (61%) of potential buyers also said they were put off getting on the property ladder due to the stress and anxiety of applying for a mortgage.
However, this could work out to be a positive thing for those who are more seasoned when it comes to getting mortgages, as obtaining a buy to let deal on a property may mean they would be able to hop onto the landlord bandwagon.
And further research from property website Globrix has found that Plymouth could be the place to purchase a buy to let property, as properties here offer one of the highest returns on your investment.
The company found that the Devon town delivers 6.51% rental yield and the average house costs a little over £135,000 (£135,412).
Ocean can help you if you are looking to remortgage a property in your Buy to Let portfolio.
The value of buy to let mortgages lent in the first quarter of this year was greater than the same time in 2010, according to new figures.
The Council of Mortgage Lenders (CML) has revealed that between January and March 2011, there were 27,600 buy to let loans granted, worth a total of £2.9bn.
Michael Coogan from the organisation notes that "demand for rental property remains strong and, as more funding becomes available; [the CML] would expect to see buy to let lending increasing."
People considering making a buy to let purchase could also be encouraged by analysts' belief that the Bank of England won't increase the base rate for another six months, which may help them secure a good mortgage deal.
This opinion that has been strengthened following the publication of the minutes from the Monetary Policy Committee's latest meeting, which indicates that "an increase in the Bank rate in current circumstances would adversely affect consumer confidence".
Jonathan Loynes from Capital Economics notes that "there had been some speculation that one or more of the would-be [interest] hikers might have changed their position, [as] sharp falls in real wages are likely to continue to weigh heavily on consumer spending."
If you are looking for more information on Buy to Let Mortgages or remortgages then why not contact Ocean today.
The overall cost for comparison is 6.4% APR. (Most people should receive a lower rate than this)
Think carefully before securing other debts against your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Only upon completion a fee, which on average is 2.9% of the advance, will be charged for arranging your buy to let mortgage.
