Buy to Let Mortgages are mortgages specifically designed for people who want to invest in the property market by purchasing one or more houses and letting them out to tenants.

Buy to Let Mortgages differ from residential mortgages because they allow the rental income to replace earned income when considering the ability of the buyer to meet the ongoing mortgage payments. The calculations and criteria used by lenders vary greatly and can be complex. This is where the advice of a professional mortgage adviser can be both essential and invaluable.

In addition to high street products; Smart Money will also be able to recommend mortgage products which are not available on the high street in order to meet your buy-to-let mortgage requirements. In addition we advise our clients on appropriate insurances, for example a large percentage of landlords are unaware that a normal residential buildings and contents insurance policy will not pay out if the property is rented to tenants. A special type of buildings insurance is necessary for this: Landlords Insurance. If you need competitive landlords insurance or buy to let mortgage advice, phone: 020 8554 66 65.