Buy To Let

You’ve found the right property, now you need to find the right mortgage

What is Buy To Let?

A buy to let mortgage is a loan for property investors; it differs from a residential homeowner mortgage because the lender requires the property to be rented to a tenant. A mortgage of this type can be secured against a single property, or across a portfolio of several properties.

Anyone who wants to rent out their former family home is required to take out a buy to let mortgage in place of a residential mortgage they may have. Failing to do so is a breach of their mortgage agreement - and may also invalidate their insurance policies.


Buy-to-Let for Individuals

Whether you are a first time landlord or a seasoned property investor, the Buy-to-Let team GPS Financial will advise your on the mortgage products most suitable for your situation. We cover:

  • Whole market access
  • loans up to 85% of property value
  • loan amounts from £5,000 to £1 million
  • no up-front fees
  • same day lending decision in principle

Business Buy-to-Lets

Corporate or company buy to lets will normally arrange the purchase of residential property through a limited company, or special purpose vehicle (SPV). GPS Financial has whole of market access and so can arrange suitable buy-to-let lending choices for:

  • investors
  • property developers
  • seasoned professionals
  • companies with portfolios

How can GPS Financial help?

HMO from Gps Financial The benefits for landlords buying HMO properties are that they have great potential to generate very strong rental yields. However, mortgages for houses in multiple occupation have become increasingly difficult to source in the last few years.

Gps Financial has years of experience arranging HMO mortgages, for purchase or remortgage, on the following basis subject to status.

  • Up to 85% loan to value (LTV)
  • Rates from 3.81% above the base interest rate

How to apply?

Once you have identified the project and roughly worked out viability, costs, end value and profit margin, get in touch on 02922 677 725, or fill out the form in the contact page. It doesn't matter if you don't already own the land/property.

We will then ask you lots of questions, (known as a fact find), to get as much information about the development as possible. This will allow us to appraise your project and give you an honest opinion as to whether we can help, i.e. we'll let you know if there are any lenders who might be willing to provide the necessary finance.

Our Lending Partners