We designed Mortgages For You
The most exciting investment you’ll make is in your home. With our help, you’ll find the best mortgage for your requirements and ambitions.
Why Us ?
Whether you’re a first-time buyer or a landlord, The Mortgage Centres is dedicated to finding you the finest financing option so you can buy your dream property. You’ll quickly discover that we’re more than just mortgage brokers; we also provide help and advise throughout the entire purchasing and selling process. Whatever your financial situation or stage in life, we’ll find a mortgage solution that’s right for you.
Buy to Let mortgage
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What is a Buy to Let mortgage?
A Buy to Let mortgage is a loan secured by a property that has been purchased only for the purpose of renting it out to renters and is not being used as a primary residence.
The Buy to Let property market has grown dramatically in recent years, and where it was once primarily the domain of professional landlords, it is now populated by people from all walks of life and professions.
Finding a lender who offers a program and meets your criteria can be difficult and time-consuming, and there are several downsides as well as benefits to having a Buy to Let mortgage.
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House of Multiple Occupation (HMO) Mortgage*
Letting out a multi-room Buy to Let property to a group of unrelated persons (for example, utilizing a house as student accommodation) can cause plenty of issues with local authorities and mortgage lenders, and you’ll need to be well-versed in HMO (house of multiple occupancies) legislation. However, you may find that different local authorities use their own laws about what constitutes an HMO, what a landlord’s responsibilities are, and whether or not it needs to be legally licensed.
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As if to cause further frustration, individual Buy to Let mortgage lenders, too, can have their own differing definitions of what an HMO is, and the types of properties they are willing to lend against.