Tag: Buy To Let

  • Renters’ Rights Act 2026: What It Means for Buy to Let Landlords

    Renters’ Rights Act 2026: What It Means for Buy to Let Landlords

    Renters’ Rights Bill: What It Means for Buy to Let Landlords If you own — or are considering investing in — a buy to let property, the Renters’ Rights Act 2026 is something you cannot afford to overlook. Coming into force on 1st May 2026, this legislation represents the biggest overhaul of the private rented… Read more

  • Case Study: Helping Buy-to-Let Landlords in Sandhurst

    Case Study: Helping Buy-to-Let Landlords in Sandhurst

    Introduction For buy-to-let landlords, managing finances effectively is crucial to ensuring long-term success. This case highlights how we supported property owners in Sandhurst to secure a hassle-free product transfer with their existing lender, providing flexibility for potential future plans. The Scenario The landlords owned a buy-to-let property in Sandhurst and were approaching the end of… Read more

  • Case Study: Buy-to-Let Product Transfer in Farnborough

    Case Study: Buy-to-Let Product Transfer in Farnborough

    The Scenario In Farnborough, Hampshire, experienced property investors sought to renew their buy-to-let mortgage products. With three existing buy-to-let mortgages through BM Solutions nearing the end of their terms, the clients were keen to avoid the variable rates that would apply upon expiry. They preferred a streamlined approach that allowed them to renew with their… Read more

  • Buy to Let Mortgage Lowest Deposit

    Buy to Let Mortgage Lowest Deposit

    Buy to Let Mortgages from 15% Deposit If you’re thinking about becoming a landlord or growing your property portfolio, the size of the deposit needed for a buy to let mortgage is likely high on your list of concerns. While many lenders require a substantial deposit, there are still opportunities to access buy to let… Read more

  • Case Study: Buy-to-Let Remortgage to Consolidate Debt

    Case Study: Buy-to-Let Remortgage to Consolidate Debt

    Refinancing a buy-to-let property can present challenges, especially when adverse credit and limited income are factors. This case highlights how we helped a landlord in Chorley secure a tailored remortgage solution to address existing debts and achieve long-term financial stability. The Scenario Our client owned a buy-to-let property in Chorley and was looking to refinance… Read more

  • Pros & Cons of Buy-to-Let via a Limited Company

    Pros & Cons of Buy-to-Let via a Limited Company

    Buying a Buy-to-Let Property Through a Limited Company: Pros, Cons, Tax Savings & Mortgage Insights Pros of Buying a Buy-to-Let Property Through a Limited Company More Tax Efficiency For Some Investors One of the main attractions of using a limited company is the potential tax benefits. Rental income received by individuals is subject to income… Read more

  • Case Study: Buy-to-Let Product Transfer for Immediate Stability

    Case Study: Buy-to-Let Product Transfer for Immediate Stability

    When faced with tight deadlines and specific requirements, finding the right mortgage solution quickly is critical. This case highlights how we helped a landlord secure a product transfer to avoid a variable rate, ensuring financial stability while accommodating the limitations of their remaining mortgage term. The Scenario Our client owned a buy-to-let property in Bristol… Read more

  • Buy to Let Mortgage No Early Repayment Charge

    Buy to Let Mortgage No Early Repayment Charge

    Flexible Buy to Let Mortgages with No Early Repayment Charges Investing in property can be a highly lucrative endeavour, especially if you’ve chosen to expand your portfolio through Buy to Let investments. However, one common concern among property investors is the potential cost of early repayment charges (ERCs). If you’re considering flexibility in your mortgage… Read more

  • SPV Mortgages for Landlords

    SPV Mortgages for Landlords

    Can you get an SPV mortgage? Yes — you can get a mortgage through a limited company set up specifically for property investment, known as a Special Purpose Vehicle (SPV). SPV mortgages are commonly used by landlords who want to buy and hold buy-to-let properties in a company structure rather than in their personal name.… Read more

  • Freehold vs Leasehold: How It Affects Your Mortgage

    Freehold vs Leasehold: How It Affects Your Mortgage

    Freehold vs Leasehold: Key Differences and What They Mean for You When buying a property, understanding whether it is freehold or leasehold is essential. This affects your ownership rights, ongoing costs, and even your mortgage options. What is the difference between freehold and leasehold? The key difference comes down to ownership. This difference affects everything… Read more

  • Buy to Let Mortgage Based on Rental Income

    Buy to Let Mortgage Based on Rental Income

    Can you get a buy-to-let mortgage based on rental income? Yes — most buy-to-let mortgages are primarily based on the rental income a property generates rather than your personal salary. This is often referred to as a rental income-based buy-to-let mortgage. Lenders apply strict calculations to ensure the rent comfortably covers the mortgage, which means… Read more

  • Case Study: A Buy to Let Remortgage with Adverse Credit

    Case Study: A Buy to Let Remortgage with Adverse Credit

    Remortgaging can be a tricky process, especially when you have an adverse credit history. For our 51-year-old business owner in Basingstoke, Hampshire, turning dreams into reality seemed a bit daunting. But that’s where Kerr & Watson came in. We recently rolled up our sleeves and helped our customer overcome these challenges, leading the way to… Read more