Buy to Let | In Your Name

PROPERTY INVESTMENT STARTS WITH INFORMED DECISIONS

Are you thinking of becoming a landlord?

Whether you're buying your first investment property or adding to an existing portfolio, choosing the right mortgage is an important part of your investment journey.

At AR Mortgage Services, we help landlords understand their borrowing options and navigate the buy-to-let mortgage process with confidence.

Understanding buy-to-let mortgages

A buy-to-let mortgage is designed for properties purchased primarily to rent out to tenants. Unlike a residential mortgage, lenders will usually consider the property's expected rental income alongside other factors when assessing an application.

Deposit requirements, interest rates and lending criteria may also differ from those of residential mortgages. We'll explain how these considerations could affect your plans.

We Can Help You

  • Understand buy-to-let mortgage requirements

  • Explore deposit and borrowing options

  • Compare suitable mortgage products and lenders

  • Understand rental income assessments

  • Review interest-only and repayment mortgage options

  • Explore remortgaging an existing rental property

  • Understand potential mortgage fees and charges

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. NOT ALL BUY TO LET MORTGAGES ARE REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

Buying in your personal name

Owning a rental property in your own name may suit some landlords, depending on their circumstances and investment plans.

However, it's important to consider the wider financial implications, including income tax, Stamp Duty Land Tax and potential Capital Gains Tax.

We can advise on suitable mortgage arrangements. However, we do not provide tax advice and recommend that you seek independent professional tax advice before deciding how to structure your investment.

Property investment deserves careful planning.

A successful property investment involves more than securing a mortgage.

Rental demand, ongoing maintenance, periods without tenants and changing interest rates can all affect your finances.

We'll help you understand your mortgage commitments so you can make decisions with a clearer picture of the costs involved.

Let's discuss your investment plans.

Whether you're taking your first step into property investment or reviewing an existing mortgage, we're here to help you explore your options.

LEGAL

LEGAL

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Calls may be recorded for training and quality purposes.

AR Mortgage Services undertakes credit broking and is not a lender. We offer an unrestricted range of first charge mortgages, but do not offer second charge lending or bridging finance.

AR Mortgage Services is a trading style of Alistair Redhouse Mortgage Services Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd. which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register.

We are registered in England and Wales under company number 16988991. Our registered office is at The Old Police House, Old Botley, Botley Road, Oxford, OX2 0JW.

Fee statement: There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £335 and is payable once an application has been submitted and will be agreed with you prior to advice being given.

Insurance Disclaimer: As with all insurance policies, conditions and exclusions will apply. The cost of insurance depends on several factors, such as your age, occupation, and location.