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Why choose identityfs?
Whether it’s your first venture into property management, or you’ve been building up a portfolio for your retirement or to pass onto the children, its important to get qualified advice from an independent specialist for your buy-to-let mortgages.
Identityfs are here to provide expert mortgage advice on your portfolio
If you’d like to find out more about mortgages for your portfolio, we’d be happy to help. Our fully qualified, mortgage brokers have a huge amount of experience in this area.
It can be complicated to understand the different criteria required with all the different lenders. Also every landlord and portfolio is different.
Therefore, it’s vital to engage with a professional mortgage broker to ensure you’re getting the right deal, suitable for you and your portfolio requirements and circumstances
Buy-to-Let Mortgages for Portfolio Landlords
Buy to Let mortgages are for people who are purchasing property as an investment to rent it out and profit from the rental income. Most buy-to-let mortgages are interest-only, meaning that you only pay off the interest of the mortgage rather than the amount owed (also known as the capital). The full mortgage is then paid off at the end of the mortgage term.
What is a portfolio landlord?
A portfolio landlord, as outlined by the Prudential Regulation Authority (PRA), is a landlord that owns four or more mortgaged properties, either through a limited company or on a private basis. It’s important to note that unencumbered properties (no mortgage) do not count, so if for example a landlord had six rental properties, four that were owned outright and two that had a buy-to-let mortgage, the landlord would NOT be a portfolio landlord. Whereas a landlord with four rental properties, all with a buy-to-let mortgage, would be classed as a portfolio landlord.
For landlords with larger portfolios. There are some lenders that do specially designed portfolio mortgages which enables a landlord to group all of their investment properties together, under one single loan. This means the landlord will only need to pay one monthly repayment instead of multiple payments. Having a portfolio mortgage has the potential to be cheaper overall due to the fee structure
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Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances
Identity Financial Solutions Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Number 471900. Identity Financial Solutions Limited is a company registered in England and Wales.
The registered office address is 6 George Street, Alderley Edge, Cheshire, SK9 7EJ. The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.