Buy to let

Buy To Let Investment Property Mortgages:

Nova Mortgages provides advice on Buy to Let mortgages for Individuals, Companies (existing or newly formed SPV’s) and buying an investment property under a Self Administered Pension Fund.

Key Considerations that our advisors will guide you through:

  • Pros & Cons of Individual v Company (SPV) purchase for rates, tax treatment, etc.
  • Lender product offerings, rates, and pros and cons of Interest Only v Capital & Interest repayments.
  • Costs ie Stamp duty, legal fees, valuation fee and structural survey, bank application fees.
  • Rental income cover: How lenders will underwrite
  • Age limits when buying through an SPV
  • Rental Income requirements for investment proposals
  • Maximum Loan to Value for Investment Proposals