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As buying to let is increasingly popular these days, many mortgage providers are now offering buy to let mortgages. If you are considering buying to let, you’ll want to consider the issues unique to a buy to let situation, like getting agents, repairs, and the intricacies of a buy to let mortgage, before you make any decisions.

With a buy to let mortgage, you pay a deposit on a house or flat and get a mortgage to fund the difference. In a buy to let situation, your deposit will be about 15% to 20% of the cost of the property, and the rent you charge should be about 130% of your mortgage payments. This should ensure you can cover the cost of mortgage payments, interest payments, letting fees, insurance and other outgoings without dipping into your own wallet. After all, a buy to let property is meant to be an investment!

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At a glance: Fool.co.uk’s top mortgages

Provider
& mortgage
type ?		APRs Max. Loan To Value ? Fees & Other
charges ?		Enquire
Initial rate & Period ? Subsequent rate ? Overall cost for comparison ?

Nottingham tracker base +2.79% for 2 years

3.29% for 2 years6.54%6.2%60% Arrangement fee:£1299

Early repayment charge:3% for 2 years		Enquire

Mansfield fixed 3.89% for 2 years

3.89% for 2 years5.59%5.5%70% Arrangement fee:£999

Early repayment charge:2% for 2 years		Enquire

Leeds fixed 5.99% for 2 years

5.99% to 28/02/145.99%6.3%80% Arrangement fee:£199

Early repayment charge:3% reducing to 2% until 28/02/14		Enquire

Clydesdale fixed 4.89% for 5 years

4.89% to 30/04/174.99%5.1%70% Arrangement fee:£1999

Early repayment charge:5% reducing to 2% until 30/04/17		Enquire

Coventry standard variable rate for term

4.19% for Term4.19%4.4%65% Arrangement fee:£1249

Early repayment charge:None		Enquire
These figures are based on a loan of £120,000 on a repayment basis over 25 years.

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Some important information about this page

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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