Best buy to let remortgage UK website.
Being an independent company, we choose from the whole UK buy to let mortgage market and as a consequence we can arrange the best btl broker remortgage deals. Fill in our brief online form and let one of our friendly financial team help find you the best buy to let remortgage deal from over 10,000 mortgage products and from more than 50 buy to let mortgage lenders.
- Impartial service, no obligation to buy.
- We compare all types of UK buy-to-let mortgage rates for UK landlord investors.
- Free buy to let Mortgage Payment Calculator download
- Exclusive best buy to let mortgage deals.
- Special schemes available for portfolios, Limited Companies.
As buy to let mortgages tend to be more expensive than normal domestic mortgages, it is even more important to find the best mortgage deals, the cheapest interest rates and the most flexible products. As UK National buy to let mortgage brokers, we have access to the whole buy to let mortgage market and as a consequence we can get the best mortgage deals.
We have a network of national advisors ready to meet your mortgage needs and requirements, whether you are from London, Devon, East Anglia, Wales, Shropshire, Kent, Teesside, Cheshire, Scotland, Lancashire we can help.
100% Buy to Let Mortgage?
As creative thinking mortgage brokers we can offer 100% Buy to Let Mortgages. Other organisations normally offer a maximum of 85% loan to value - so how do we do it? We can get you the 15% you need from your current house, if you have sufficient equity - even if you have a bad credit history.
To qualify for the 100% buy to let, you MUST own a house already, with sufficient equity for our lenders approval. As mortgage brokers we can find you the best UK mortgage but now you can apply for a deposit loan to run alongside an 85% buy to let mortgage - hence, 100% buy to let funding with no cash deposit required from your own personal funds.
Best Buy to Let Remortgage?
- Are you looking for the best buy to let Mortgage rates to suit you?
- Cheapest UK btl fixed rates and review?
- The best Let-to-Buy Remortgages or buy to ley Remortgage UK?
- The best interest only Mortgage, Teesside, Nottingham?
Interest Only? No Problem!
Buy to Let Portfolio, Partnerships, Limited Company, Property Developer, Property Development projects are all possible.
Buy to Let Taxation
Income Tax
Many married couples that enter the buy to let market need to consider the full tax implications, as the Inland Revenue treats rental income like any other income. Anyone receiving this income should declare it but remember that everyone may earn up to £4,895 in this tax year before paying income tax. So, if your wife’s income, including her share of buy-to-let profit is less than this figure, then she will not have any income tax to pay to the Inland Revenue.
Consider if it may be worth having all the rental income paid to your non tax-paying wife, rather than to your joint bank account. For the couple that have a 40% tax payer in the equation, in theory that would mean you would avoid paying higher-rate tax on your share of the rental income but do remember that this will not wash with the Inland Revenue unless you transfer the property into your wife’s sole ownership. Without such a transfer, the Revenue treats married couples as owning assets 50-50 sharing their income accordingly.
Capital Gains Tax
For capital gains there are generous tax breaks for people selling investment properties that were once their main homes. You will not pay capital gains tax on house-price growth in the time you were living in the property, nor do you pay it on gains made in the final three years you owned the property, regardless of when you lived there. These tax breaks dramatically reduce the capital gains tax bill you might expect to pay. Under current legislation, you can also take advantage of Private Residence Relief lettings exemption that can knock up to another £40,000 per owner from the capital gain the Revenue looks at for tax purposes. Private Residence Relief is complex and should be handled by competent accountants but for starters, look at Help sheet IR 283 from the Inland Revenue or speak to an accountant who knows about property. So remember, if you ever lived in a rental property you are selling, there are lots of tax breaks. These tax breaks can give the first time investors the extra cash they need to climb the buy-to-let property ladder and invest the left over profit in another property.
Buy to let mortgage interest rates - If you would like an online buy to let mortgage quote or you would like to speak to a buy to let mortgage advisor, phone us on Tel. 01254 248156, our lines are open 9am - 7pm Monday to Thursday and 9am - 5pm Friday - RESIDENTIAL MORTGAGE RATES - to view the best buy to let mortgage rates
As well as providing Buy to Let Mortgages and Commercial mortgages, we also specialise in providing development finance for both residential and commercial property developments. We deal with clients across the spectrum from multi million pound commercial developments to smaller residential developments costing tens of thousands of pounds. Whatever your needs, we will try to help.
As national UK mortgage brokers we can help with enquiries from England, Scotland, Wales and Northern Ireland. We advise on commercial mortgages, including buy to let and other products and services that may not be regulated and because they are outside The Financial Services and Markets Act 2000, there may be no compensation scheme for such products and services.
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