Buy To Let Mortgages

 Unlock Your Property Investment Potential with Buy-to-Let Mortgages

Are you eager to expand your property portfolio? Look no further than Quercus Mortgage and Financial Solutions Ltd. Our dedicated team understands the unique challenges and opportunities in the buy-to-let market, and we’re here to guide you every step of the way.

Investing in rental properties can be a savvy financial move, but navigating the complex world of buy-to-let mortgages can be daunting without the right expertise. That’s where we come in. Our knowledgeable advisors stay up-to-date with the latest market trends, regulations, and lending criteria, ensuring you receive tailored solutions that align with your investment goals.

At Quercus, we pride ourselves on our personalised approach. We take the time to understand your unique circumstances, whether you’re a seasoned landlord or a first-time investor. Our advisors will work closely with you to assess your financial situation, identify suitable properties, and secure the most favourable mortgage terms.

With our extensive network of lenders, we can provide a wide range of buy-to-let mortgage options, including fixed-rate, variable-rate, and interest-only mortgages. We’ll transparently present all fees, charges, and associated risks, ensuring you have a clear understanding of the costs involved.

Maximising your return on investment is our top priority. Our advisors will guide you through the process of calculating rental yields, understanding tax implications, and developing a robust investment strategy. We’ll provide valuable insights into property management, ensuring your rental properties are well-maintained and consistently generating income. We will also make sure that you have factored in all the additional costs. 

These additional costs include:

• Property upkeep – maintenance costs for the property.
• Letting agent’s fees – letting agents charge around 10% of the monthly rent for finding and vetting tenants with an additional cost of around 5% if you require a full management service.
• Ground rent / service charges – applicable to leasehold properties.
• Legal insurance – to cover costs from evicting tenants in the event of non-payment, very important, as this can be very expensive.
• Insurance – building insurance and contents insurance for the items provided as part of the rental agreement.
• Furnishings – the purchase of any furniture. If the property is to be let furnished, make sure you are covered for this by your home insurance.
• Gas / electrical appliances – cost of maintaining appliances and ensuring they comply with any regulations such as safety tests.
• Decorating costs – the property may require work ranging from painting, to a new bathroom suite before it is suitable for letting to tenants.

Don’t miss out on the opportunities in the buy-to-let market. Partner with Quercus Mortgage and Financial Solutions Ltd and let our expertise fuel your property investment ambitions. Contact us today to schedule a consultation and take the first step towards building your property empire.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.