Buy-to-Lets
Whether it be a single property investment or a more complex mixed portfolio, Adept has vast expertise in assessing the best funding lines for:
Re-pricing to improve yield and reduce debt costs.
Borrowing more to acquire more property.
Not all lenders can achieve the correct balance of funding to achieve your property objectives. Adept is able to ensure that each property is best placed with the most effective lending provider.
Ltd Company Buy-to-Lets
Private landlords who operate as individuals have recently seen an increase in their tax bills due to the changes in buy-to-let tax relief and, as a result, there has been growth in the number of limited companies established for the purpose of managing a rental portfolio.
If you have a larger property portfolio and you want to raise funds for further purchases, refurbish your estate or just review the long term structure and costs, then we can structure and offer a cost effective review. Borrowers may find that they will need to look further afield than the traditional high street lenders for these types of mortgages, and this is where we can help find the best rates and mortgage terms to suit your requirements as a professional landlord.
We have a vast lender panel to suit all property types from single family rentals to large HMO (Houses of Multiple Occupation). We fully understand the options on structure and have a close working relationship with experts in property tax to assist you in making a long term decision.
Holiday Let Mortgages
With the advent of companies such as AirBNB, the holiday let market has seen a recent surge in demand for mortgages that are suitable for properties that are let out on a short-term basis. Most High Street lenders have as yet to enter this market, so advice from an experienced broker is essential for obtaining the right mortgage for your Holiday Let property.
If you are considering buying a Holiday Let investment or already have a property and want to expand your portfolio, then we have a very special lender panel that can assist. Depending on your circumstances, we can craft a loan that best suits your personal situation. Please contact us when you are ready to discuss your own circumstances.
THE MORTGAGE PROPERTY (WHICH MAY BE YOUR HOME) MAY BE
REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.