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Buy to let

Buying to let is, as it sounds. You buy a property in order to rent it out to tenants.

What is a buy to let property investment?

A buy-to-let investment is different from owning your own home.

You’ll become a landlord, which comes with legal responsibilities.

As a medium- to long-term investment it could be a good decision if you:

  • understand that it’s a big commitment with an element of risk
  • are willing to invest your funds over a long period of time
  • can accept that property prices, particularly over a long period of time, can fall as well as rise
  • recognise the responsibility of being a landlord
  • do not feel that stocks and shares are more suited to your circumstances.

Tax and buy to let

Tax is applied to both freehold and leasehold properties – whether you’re buying outright or with a mortgage.

 

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How does a buy to let investment work?

Your own cash can be used to purchase a buy-to-let property or you may choose to take out a buy-to-let mortgage with a cash deposit.

 

Getting a mortgage

Different lenders, including banks and building societies, offer different mortgages. It’s good to shop around for one that suits you. Speaking to an independent mortgage advisor (also known as a broker) can really help.

We work with a panel of advisors who are available to assist you. They’re already familiar with our developments and have expertise in all the buying options we offer. They’ll help save you time and guide you in getting an agreement in principle.

Register your interest in one or more of our developments. We’ll then be in touch with more information.